COMMERCIAL PRO
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Contractors Insurance

Built forThe Trades.

General liability, workers comp, commercial auto, umbrella — plus every endorsement your GC requires. If you build it, we protect it.

Carpenters
Electricians
Plumbers
Roofers
Siding Contractors
All trades covered
Fast quotes — same day
All required endorsements included
Owner-ops to large crews
Competitive rates guaranteed

Every trade.
Every crew size.

Whether you're a solo sub or running a 50-person crew, Commercial Pro has the right coverage at the right price. We specialize in the trades — so we know the risks you face and the certificates your GCs demand.

General Contractors
Carpenters
Electricians
Plumbers
Roofers
Siding
HVAC
Masons

Everything
you need.

We bundle the coverage that contractors actually need — not a one-size-fits-all policy, but a program built for how you work and what your GCs require.

02 — Employee protection
Workers Comp

Required in most states. Covers your employees' medical expenses and lost wages when they're injured on the job — and protects you from lawsuits related to workplace injuries.

Medical treatment for job-related injuries
Lost wage replacement for injured workers
Employer's liability protection
Death benefits for covered employees
Competitive rates based on payroll class
03 — Vehicle coverage
Contractors Auto

Coverage for trucks, vans, and work vehicles used in your contracting business. Includes liability, physical damage, and tools & equipment in transit — for owned, leased, and hired vehicles.

Auto liability for owned & hired vehicles
Comprehensive & collision (physical damage)
Non-owned auto — employees' personal vehicles
Tools & equipment in transit
Uninsured & underinsured motorist
04 — Excess coverage
Umbrella

Extends your liability limits above your GL, workers comp, and auto policies. One large claim can exceed standard policy limits — umbrella fills the gap and protects your business from catastrophic loss.

Excess limits over GL, auto, and workers comp
$1M–$10M in additional coverage
Drops down when underlying limits exhausted
Often required by GCs and project owners
Affordable per-million premiums

Every cert
your GC requires.

General contractors require specific endorsements before you set foot on a job site. We include all of them — no haggling, no delays. Get the certificate you need, fast.

Blanket Additional Insured
Automatically adds any general contractor, project owner, or property owner as an additional insured — without naming them individually on the policy. Required on virtually every commercial job.
Most requested
Primary & Non-Contributory
Makes your policy respond first in the event of a claim — before the GC's policy kicks in. Prevents disputes over which insurer pays first. Required on most commercial contracts and subcontractor agreements.
GC requirement
Waiver of Subrogation
Prevents your insurance company from suing the general contractor or owner after paying a claim on your behalf. Protects the working relationship and is standard language in most construction contracts.
Contract requirement
Blanket Waiver of Subrogation
Extends the waiver of subrogation to any party required by a written contract — without listing each one by name. Saves time and gives you flexibility across multiple projects and clients.
Multi-project
Per-Project Aggregate
Restores your aggregate limit on a per-project basis, so a major claim on one job doesn't deplete the limits available for other projects. Essential for contractors working on multiple sites simultaneously.
Multi-site
Completed Operations Extension
Extends coverage for claims that arise after a project is finished — like a structural defect discovered months after completion. Protects you long after the crew has left the job site.
Post-project protection
Workers Comp — Waiver of Subrogation
Applied to your workers comp policy, this prevents the insurer from recovering costs from the GC after paying an employee injury claim. Often required alongside the GL waiver in subcontract agreements.
WC requirement
Notice of Cancellation
Requires your insurer to notify the certificate holder (GC or owner) at least 30 days before your policy is cancelled or non-renewed. Keeps your client informed and protects the project timeline.
Standard requirement

We know
the trades.

We're not a general insurance agency that happens to write contractors. We specialize in commercial coverage for the trades — so we know your risks, your contracts, and exactly what your GC needs to see on that certificate.

01
Specialists only
We focus exclusively on commercial and contractor insurance. That expertise translates directly into better coverage and better rates for you.
02
Fast certificates
Need a certificate of insurance today? We get it done — same day, with all the endorsements your GC requires. No delays, no back-and-forth.
03
Best rates
We shop multiple carriers to find the most competitive premium for your trade, crew size, and risk profile. You're not paying for coverage you don't need.
04
Real people
Call us and a real broker answers. We know your business, we know your contracts, and we're here when something goes wrong on the job site.

Don't lose a jobover a certificate.

Get the coverage and endorsements your GC requires — fast. Call us now or submit your info and we'll get back to you same day.

Call or text directly
(973) 307-7007
Real people. Real answers. Same day.
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Get your contractor quote
from the AI agent.

Skip the carrier portals. Our AI agent quotes your contractor risk across Coterie, Hartford, Markel, Travelers, and more — simultaneously, in under 60 seconds. GL, tools & equipment, completed ops, commercial auto — all in one run.

What the AI agent quotes for contractors
🏗️
General Liability
Per-occurrence and aggregate. Completed ops. Products liability. All trades.
🔧
Tools & Equipment / Inland Marine
On and off premises. Scheduled and blanket coverage. Rental equipment.
🚛
Commercial Auto
Service trucks, vans, dump trucks, and heavy equipment vehicles.
🏢
Contractor Yard / Property
Yard, storage, office, equipment storage, UST liability, security credits.
👷
Workers Compensation
By class code and payroll. Experience mod applied. All states.
Carrier markets we access
Coterie
Hartford
Markel
Travelers
Nationwide
+ More
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⚠️ Quotes are illustrative estimates subject to underwriting review. Not a binding offer.
60s
Quote time
8+
Carrier markets
$0
Per-quote fee
15+
Years experience