Independent contractors need to stay protected. Secure your business operations with contractor’s insurance.
At Kavana Insurance, more than 20 years of experience stand behind every policy we design for contractors. We’ve earned the trust of hundreds of satisfied clients by providing contractors’ insurance that fits real business needs, not generic templates. From covering everyday jobsite risks with contractors’ liability insurance to protecting valuable tools and machinery under contractors’ equipment insurance, our approach balances depth of coverage with cost efficiency. Because we work closely with both independent tradespeople and established general contractors, we understand the challenges unique to each field. This knowledge allows us to shape coverage that supports growth while keeping protection straightforward and affordable.
With contractor insurance, you can run your business knowing you’re protected against costly surprises. Our contractor insurance offers the support you need, exactly when you need it, without complicated language or hidden terms.
If a third party is injured or dies as a result of your work, our general contractor insurance helps cover medical bills, legal fees, and settlements, protecting your business finances.
When your work accidentally damages someone else’s property, your commercial contractor insurance takes care of repair or replacement costs.
If your tools or equipment are damaged during work, contractor all-risk insurance covers repair or replacement costs, minimizing downtime and keeping your business productive.
Relying solely on contractors’ insurance is rarely enough for a business that wants to operate with confidence. While this coverage acts as a bundled policy in itself, most companies face additional exposures that call for broader protection. Every project carries its own uncertainties, and anticipating them with the right mix of policies helps safeguard both your finances and reputation. At Kavana Insurance, we often recommend expanding coverage beyond the basics to create a more resilient safety net.
Large construction projects often involve multiple contractors, subcontractors, and trades working under one roof. Wrap-up insurance brings all participants under a single policy, streamlining coverage and avoiding costly gaps. It simplifies claims handling, reduces disputes between parties, and ensures that everyone working on the project shares consistent protection.
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Even the most skilled professionals can face claims of negligence, design flaws, or missed project specifications. Errors & omissions insurance helps cover legal expenses, settlements, or judgments tied to professional mistakes. For contractors who provide design, planning, or consulting services alongside construction, this protection can be critical.
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Everyday risks, such as third-party injuries or property damage, fall under general liability insurance. This coverage is a cornerstone for contractors, as it addresses claims that might arise on or off the jobsite. From a client tripping over equipment to accidental damage to a neighboring property, general liability shields your business from lawsuits and related costs.
Learn MoreContractor insurance is a special type of business coverage designed to protect construction companies and individual contractors against financial risks they face during daily operations. It covers expenses related to injuries, property damage, or losses involving equipment and tools used in the construction process. This type of insurance ensures your business remains financially stable even when unexpected events occur, allowing you to focus on running your operations smoothly.
Having contractor insurance can be an essential requirement to run your business successfully. Many projects require contractors to show proof of valid insurance coverage before starting work. Depending on your specific needs, contractor insurance policies range from basic and affordable coverage to comprehensive plans that cover a broader set of risks. Kavana Insurance will guide you through available options clearly and professionally, helping you select coverage that fits your business best.
In just three straightforward steps, you’ll have the precise insurance for contractors that matches your business needs:
Join the Kavana Insurance family of happy customers who’ve found affordable, transparent protection for their homes, cars, and businesses. Hear how our tailored solutions made a difference.
Right On Insurance bundled my home insurance, auto insurance, and business coverage into one affordable package, saving me hundreds annually. The transparency in their policies gave me peace of mind, knowing exactly what I’m protected against. Their customer service is top-notch—always responsive and helpful. If you’re looking for comprehensive, value-driven insurance, this is it!
As a small business owner, I needed solid protection without breaking the bank—Right On delivered with tailored small business insurance that covers liability and property risks. The quote was fast, and their experts helped customize it for my cafe. No surprises, just honest advice and great rates. They’ve earned my loyalty!
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Stay informed with the latest advice on home insurance, auto insurance, and small business insurance. Our July 2025 articles offer actionable insights to save money and protect what matters most—updated weekly for you.
Our team is ready to answer any questions you have—about general liability coverage, policy limits, or industry-specific risks. We’re here to ensure you get the right protection at the best value. Contact us today for expert guidance and safeguard your business with confidence!
