Contractor Insurance in Sioux Falls, South Dakota
Insurance for contractors and trade businesses in Sioux Falls and across South Dakota — including general liability, commercial auto, workers' compensation, tools and equipment, bonds and more.
Contractor Insurance by Trade
From general contractors to HVAC, plumbing, electrical, concrete and other trades, we help Sioux Falls and South Dakota businesses build coverage around the risks of their actual work.
General Contractor Insurance
Coverage that follows your projects from bid to closeout, including work performed by your subcontractors.
- ✓General liability & completed operations
- ✓Contractual & additional insured needs
- ✓Builder's risk & project coverage
Concrete Contractor Insurance
Protection for pouring, forming and finishing work, plus the heavy equipment that gets it done.
- ✓General liability for site work
- ✓Contractors equipment (inland marine)
- ✓Workers' comp for physical crews
Junk Removal Insurance
Coverage for hauling, disposal and cleanout crews working in and around clients' properties every day.
- ✓General liability & property damage
- ✓Commercial auto for haul trucks
- ✓Workers' comp for hauling crews
HVAC Contractor Insurance
Coverage for installation, service and repair work — from rooftop units to whole-building systems.
- ✓General liability & installation risk
- ✓Commercial auto for service fleets
- ✓Tools & equipment coverage
Plumbing Contractor Insurance
Protection against water damage claims and the property exposures that come with plumbing work.
- ✓General liability & water damage
- ✓Completed operations coverage
- ✓Commercial auto & tools
Electrician Insurance
Coverage for the fire, injury and completed-work exposures that electrical contractors face on every job.
- ✓General liability & fire exposure
- ✓Completed operations coverage
- ✓Workers' comp & equipment
Work a trade that isn't listed here?
Roofers, painters, landscapers, masonry, drywall, framing, excavation and dozens of other commercial contractors count on us too. If you run a trade or contracting business, we can build a program for it.
Why Contractors Choose Nelson Insurance
We're an independent agency — which means we work for you, not a single carrier. Our job is to lower your Total Cost of Risk over time, not just quote the cheapest premium today.
Independent agency advantage
Because we represent many carriers, we compare options on your behalf and place your business where it fits best — on coverage and on price.
Total Cost of Risk, not lowest price
The cheapest policy often costs the most after a claim. We focus on the right coverage, smart deductibles, and loss control that lowers your long-term expense.
Contractors are our specialty
We understand certificates of insurance, additional insured requirements, subcontractor exposures and the demands of general contractors and project owners.
Contractor Insurance Coverages
A complete contractor insurance program is usually built from several coverages working together. Here are the core policies we place for trade businesses.
General Liability
Covers third-party bodily injury and property damage claims arising from your work and your job sites.
Workers' Compensation
Helps cover medical and disability benefits for work-related injuries. South Dakota does not generally require employers to carry workers' compensation insurance, but coverage is highly recommended and may be required by contracts or project owners.
Commercial Auto
Protects the trucks, vans and service fleets that carry your crews, tools and materials between job sites.
Commercial Umbrella
Adds an extra layer of liability limits above your primary policies — often required by GCs and contracts.
Tools & Equipment
Inland marine coverage for the tools, machinery and equipment you rely on, whether at the shop or on site.
Business Owner's Policy
Bundles property and liability for your office, shop or yard into one convenient, cost-effective package.
Also available: contractors pollution, installation floater, surety & bid bonds, employment practices liability, and cyber. Ask us what your contracts require.
Sioux Falls Contractor Insurance & Bond Requirements
Local licensing and contract requirements can affect the insurance and bonds a contractor needs. Here are a few important Sioux Falls and South Dakota rules to know.
Residential Building Contractors
The City of Sioux Falls requires residential building contractors to submit a $20,000 compliance bond and carry at least $300,000 in general liability insurance when applying for the city license.
Licensed Trades in Sioux Falls
Sioux Falls uses licensing, bonding and liability-insurance requirements for several contractor categories, including residential, electrical, plumbing and mechanical contractors.
Workers' Compensation in South Dakota
South Dakota does not generally require employers to carry workers' compensation insurance. The state highly recommends coverage, and contractors may still need it to satisfy contracts or project requirements.
Get a Contractor Insurance Quote in Sioux Falls
Tell us about your trade, vehicles, employees and contracts. We'll compare coverage options and help you build a contractor insurance program that fits your business.
No obligation · Fast turnaround · Talk to a real agent
