Contractor Insurance Built Around the Way You Actually Work
General liability, workers' compensation, commercial auto and more — tailored coverage from an independent agency that manages your Total Cost of Risk, not just your premium.
Contractor Insurance by Trade
Every trade carries a different mix of risk. We build coverage around the specific exposures of your work — not a one-size-fits-all policy.
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
Pays medical bills and lost wages when an employee is injured on the job — required for most California crews.
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.
What Contractors Say About Working With Us
“Placeholder testimonial — Nelson handled our GL and workers' comp renewal without a single dropped ball. They actually understood our trade.”
General Contractor, San Francisco
“Placeholder testimonial — they got us the certificates our GC required same-day and found better pricing than our old broker.”
HVAC Contractor, Bay Area
“Placeholder testimonial — a real partner who explained our coverage and helped lower our total cost of risk year over year.”
Electrical Contractor, San Francisco
Get a Contractor Insurance Quote Today
Tell us about your business and we'll shop your coverage across our carriers — then walk you through your options, plainly.
No obligation · Fast turnaround · Talk to a real agent
