Connecticut Contractors Insurance
Insurance Built for Contractors
Running a contracting business comes with enough challenges.
Your insurance shouldn’t be one of them. At CT Insurance Exchange, we understand that no two contractors are alike. An electrician faces different risks than a landscaper. A general contractor has different insurance needs than an HVAC company. That’s why we take the time to learn about your business, your operations, your employees, and the projects you take on before recommending coverage.
As an independent insurance agency, we work with a wide range of highly rated insurance carriers, allowing us to compare options and build a customized insurance program designed specifically for your business. Our goal is simple: provide the right protection at a competitive price so you can focus on running your company with confidence.
Contractors Insurance Coverages
General Liability Insurance
Protects your business if you are held responsible for bodily injury, property damage, or other covered claims arising from your operations. This coverage is often required before beginning work for clients or municipalities.
Commercial Property Insurance
Whether you own or lease your workspace, commercial property insurance can help protect your building, inventory, equipment, and other business property from covered losses such as fire, theft, or certain weather-related events.
Commercial Auto Insurance
If your business uses vehicles for work, commercial auto insurance helps protect your company from the financial impact of accidents, vehicle damage, and liability claims.
Workers’ Compensation Insurance
Workers’ compensation provides benefits for employees who suffer work-related injuries or illnesses. Coverage can help pay for medical expenses, rehabilitation costs, and lost wages while helping your business meet Connecticut requirements.
Tools and Equipment Coverage
Your tools are essential to your livelihood. Inland marine coverage helps protect equipment, tools, and materials whether they are stored, in transit, or on a job site.
Contractors Bonds
Many contractors are required to carry license, permit, or performance bonds. We can help you secure the bonds needed to meet contractual and regulatory requirements.
Umbrella Liability Insurance
When a large claim exceeds the limits of your underlying policies, umbrella coverage provides an additional layer of liability protection to help safeguard your business assets.
Additional Coverages
Depending on your business, we may also recommend coverage such as:
- Completed Operations
- Installation Floater Coverage
- Equipment Breakdown Coverage
- Cyber Liability Insurance
- Employment Practices Liability
- Professional Liability
- Business Interruption Insurance
- Excess Liability Coverage
Why Contractors Choose CT Insurance Exchange
For more than two decades, Connecticut businesses have trusted CT Insurance Exchange because we take a personal approach to insurance. We don’t believe in one-size-fits-all policies. We ask questions, identify potential coverage gaps, and help you understand your options so you can make informed decisions about protecting your business.
Whether you’re a sole proprietor, a growing contractor with a team of employees, or an established construction company, we’re here to help you find coverage that fits your needs today and grows with your business tomorrow.
Contact CT Insurance Exchange today for a free contractors insurance review and quote.