Contractors Insurance
Protection for Your Trade
Meet Job Requirements & Protect Your Work
Contractors face unique risks on every project: property damage, jobsite injuries, stolen tools, and contract compliance headaches. Gateway Insurance offers contractor insurance designed for your jobsites-built for general contractors, subs, specialty trades, remodelers, and more.
Key Policies for Projects, Gear, and Liability
Contractor General Liability
Covers third-party injury, property damage, and jobsite accidents-required for most bids and contracts.
Builders Risk (optional)
Protects materials, supplies, and partially completed work from theft, vandalism, or weather events during construction.
Tools & Equipment Coverage (Inland Marine)
Protects tools, trailers, and mobile equipment-coverage that travels with you, not just at the shop.
Commercial Auto
Insures trucks, vans, and trailers used for business.
Umbrella Liability
Adds extra limits above general liability and auto when large projects require higher protection.
COIs, Additional Insured, Waivers and Contract Compliance
Certificates of Insurance (COIs)
We can provide the certificates of insurance and the documentation needed for contracts, jobsites, and vendors.
Additional Insured Endorsements
Add project owners, GCs, or clients per contract.
Waiver of Subrogation & Primary/Noncontributory
Common contract clauses-Gateway explains your options and works with carriers to deliver documentation that meets requirements.
Coverage Built for Your Projects
Contractors can face freezing temps, summer storms, and winter jobsite hazards,
plus project travel across country lines.
Contractor Insurance-Questions Answered
What insurance do contractors need?
General liability, tools/equipment (inland marine), commercial auto, and workers comp are common.
Where would I purchase Workers Comp Insurance?
Depending on the state, but in ND, the insurance is purchased through the state.
Do I need general liability to bid jobs?
Yes-most jobs require proof via COI.
How do I add additional insured and waiver of subrogation?
Request when quoting or after binding-Gateway handles common endorsement requests (carrier permitting).
Does contractor insurance cover tools and equipment?
Yes, if you add inland marine/tools coverage-Gateway can explain your options.
Get a Project-Ready Contractor Insurance Quote
Trade and type of work
Number of employees and payroll
Annual revenue
Project types and locations (new builds, remodels, etc.)
Equipment/tool inventory
Subcontractor usage
Prior claims/loss history
Project-Ready Coverage-Get a Contractor Insurance Quote Today
Don't lose work over missing documents or gaps in coverage. Gateway Insurance will explain your options, delivers COIs, and writes contractor policies for what you need in your business.