Contractor Insurance
Comprehensive coverage built for contractors across NC, SC & VA.
Coverage built around your trade
From GCs to electricians, roofers to landscapers — as an independent agency we shop the market across multiple carriers to find coverage that fits your trade and your job sites.
Who We Serve
What GC's Typically Require
| Coverage | Typical Limit | Common Requirements |
|---|---|---|
| General Liability | $1M / $2M aggregate | Additional Insured, Primary & Non-Contributory |
| Workers' Comp | Statutory | Waiver of Subrogation |
| Employers Liability | $500K / $500K / $500K | Often bundled with WC |
| Commercial Auto | $1M CSL | Additional Insured (if applicable) |
| Umbrella / Excess | $1M–$5M | Required on larger commercial projects |
| Professional Liability | Project-specific | Design-build or spec-related trades |
Why Us?
Independent Market Access
We shop your risk across multiple carriers instead of pushing one company's product.
Fast Certificates of Insurance
Need a COI for a GC same-day? We move quickly so you don't lose the job.
Local Based Service
You work with a local team that knows the Carolinas and Virginia markets — not a call center.
Coverage Gap Reviews
We'll review your current program for gaps before they become claims.
Hard-to-Place Risk Experience
Specialty and surplus lines markets for trades that standard carriers decline.
Multi-State Licensing
Licensed in NC, SC, and VA — one agency if you work across state lines.
Frequently Asked Questions
Do contractors in North Carolina need general liability insurance?
Most general contractors and subcontractors carry general liability insurance, and it’s almost always required by the GC, property owner, or lender before work can begin.
What does completed operations coverage mean for contractors?
Completed operations coverage under your GL policy responds to claims that arise after a job is finished, such as a defect causing damage months later.
Do I need workers' comp if my crew is 1099 subcontractors?
NC requires workers’ comp based on actual working relationships, not just how a worker is paid. GCs frequently require subs to carry their own WC policy regardless.
What is inland marine coverage and do contractors need it?
Inland marine covers tools, equipment, and materials in transit or stored at a job site — not well covered under a standard property policy.
Does my personal auto policy cover work trucks and trailers?
Generally no. Vehicles used for business purposes typically need to be on a commercial auto policy.
What is an Additional Insured endorsement and why do GCs ask for it?
It extends certain liability protections under your policy to the GC or property owner named in your subcontract. Standard practice in the industry.