Contractors Insurance: A Comprehensive Guide to Securing Your Business and Building Longevity
By Big Rig Insurance Programs
Contractors across industries—from construction to electrical work, landscaping to HVAC installation—play a critical role in shaping communities and infrastructure. Yet, with great responsibility comes inherent risks.
Finding and securing the appropriate commercial insurance products is vital to protecting these businesses, ensuring operational stability, and paving the way for long-term success.
For phone quotes call us now at (855) 554-6321. From 1 unit to 40 use the form below.
Big Rig Insurance Programs, led by an experienced agent helping clients since 1986, specializes in offering tailored insurance solutions for contractors of all types. This article explains how contractors from various Standard Industry Classification (SIC) Codes can identify and purchase the right coverage to safeguard their operations.
Top Types of Contractors in the USA
Contracting work spans a wide range of industries. However, the two largest categories by demand and workforce size are:
- Construction Contractors (SIC Code 1521-1799):
This category includes general contractors, builders, plumbers, electricians, and masons. These professionals handle tasks ranging from residential homebuilding to large-scale infrastructure projects. - Specialty Trade Contractors (SIC Code 1711-1799):
These contractors focus on specific services like HVAC installation, painting, roofing, landscaping, and solar panel installation. Their expertise is vital for completing specialized components of larger projects.
While these represent the largest groups, there are thousands of other contractor types, each requiring unique insurance solutions. Learn more about various contractors.
Why Contractors Need Proper Insurance Coverage
Contractors face risks ranging from property damage and workplace accidents to equipment theft and third-party liabilities. Without proper insurance, these risks can result in significant financial losses or legal challenges that could derail a business. Here’s how having the right coverage helps:
- Protects Assets: Insurance safeguards tools, vehicles, equipment, and property against loss or damage.
- Mitigates Legal Risks: Liability insurance protects against lawsuits, covering legal fees and damages related to accidents or negligence.
- Ensures Compliance: Many states and clients require proof of specific insurance policies before awarding contracts.
- Supports Worker Safety: Workers’ compensation insurance provides medical and wage benefits to employees injured on the job.
- Builds Client Trust: Having comprehensive coverage demonstrates professionalism and reliability to potential clients.
Key Types of Insurance for Contractors
Big Rig Insurance Programs offers a wide array of insurance products to meet the diverse needs of contractors. Here’s a breakdown of essential coverage options:
- Commercial Auto Liability:
Covers damages or injuries caused by vehicles used in your business operations, such as work trucks or delivery vans. - General Liability Insurance:
Protects against third-party claims for bodily injury, property damage, or personal injury arising from business operations. - Workers’ Compensation Insurance:
Provides wage replacement and medical benefits for employees injured during work-related activities. - Equipment Insurance:
Covers loss or damage to essential tools and machinery, whether on-site or in transit. - Umbrella Insurance:
Offers additional liability protection above and beyond the limits of general or auto liability policies. - Builders Risk Insurance:
Protects projects under construction, covering materials, equipment, and labor against unforeseen risks like fire or theft.
Our Legacy of Service Since 1986
Big Rig Insurance Programs has been a trusted partner for contractors and commercial clients for nearly four decades. Our lead agent brings a wealth of experience, a personalized approach, and deep industry knowledge to every interaction. We take pride in understanding each client’s unique challenges and crafting customized insurance packages to address their specific needs.
With thousands of successful policies written, our team is well-versed in helping contractors navigate complex insurance requirements, secure timely certificates of insurance (COIs), and ensure coverage compliance.
Inclusive Support for Contractors
We understand that every contractor’s journey is unique, and no two businesses operate the same way. That’s why we adopt an inclusive approach, ensuring all contractors—regardless of size, specialty, or geographic location—can access affordable and comprehensive coverage.
Our client-first philosophy emphasizes:
- Expert Guidance: Simplifying complex insurance language so clients fully understand their policies.
- Prompt Service: Fast quotes and responsive communication for urgent insurance needs.
- Proactive Solutions: Anticipating risks and offering coverage options to protect against emerging industry challenges.
The Role of Insurance in Building Stability and Longevity
Insurance isn’t just about meeting state or client requirements—it’s a cornerstone of operational stability and long-term growth. Proper coverage:
- Helps businesses recover quickly from unexpected incidents.
- Protects financial health by minimizing out-of-pocket expenses for claims.
- Enhances the company’s reputation, opening doors to larger and more lucrative contracts.
Wrapping it all up.
Contractors power the economy by building homes, repairing infrastructure, and maintaining essential services. Protecting their hard work with appropriate insurance coverage is not just smart—it’s necessary.
At Big Rig Insurance Programs, we stand ready to partner with contractors of all types and sizes to secure the future of their businesses. Contact us today to learn how we can help you stay protected, compliant, and ready for success.
Ready to protect your business? Call us now to speak with our expert team and get your personalized quote today!
For phone quotes call us now at (855) 554-6321. From 1 unit to 40 use the quick contact form below.
We have more Contractors Auto Insurance class codes available than just about any insurance company.
Artisan Contractor Classes:
90089 Advertising Signs Companies – Outdoors
91111 Air Conditioning Systems or Equipment – Dealers or Distributors & Installation, Servicing or Repair
91155 Appliances & Accessories Installation Service / Repair – Households
91150 Appliances & Accessories Installation Service / Repair – Commercial
91315 Cable T.V. Installation
91340 Carpentry – Construction of Residential Property Not Exceeding Three Stories in Height
91341 Carpentry – Interior / Finish
91342 Carpentry – NOC
91343 Carpentry – Shop Only
91405 Carpet, Rug or Upholstery Cleaning on Customer’s Premises
91436 Ceiling or Wall Installation
91523 Cleaning Outside / Pressure Washing
91481 Chimney Cleaning / Sweep
91560 Concrete Construction
91629 Debris Removal – Construction Site
91746 Door / Window Installation Metal
92215 Driveway, Parking Area or Sidewalk Paving or Repaving
92338 Dry Wall or Wall Board Installation
92451 Electrical Apparatus – Install or Repair
92478 Electrical Work – Within Buildings
94276 Fence Erection Contractors
94569 Floor Covering Installation Not Ceramic Tile or Stone
95124 Furniture or Fixture Installation
53734 Furniture Stripping / Refinishing
13590 Glass Dealers & Glaziers – not over 3 Stories
95487 Greenhouse Erection
95625 Handyman – Residential
95647 Heating or Combined Heating & Air Conditioning Systems or Equipment, Dealers or Distributors & Installation, Servicing or Repair – No Liquefied Petroleum Gas (LPG) Equipment Sales or Work
96053 House Furnishings Installation
96408 Insulation Work – Plastic
96409 Insulation Work – Mineral
96410 Insulation Work – Organic
96611 Interior Decorators
96816 Janitorial Services
97047 Landscape Gardening
97050 Lawn Care Services
97447 Masonry
97650 Metal Work – Decorative or Artistic
98111 Offices, Machines or Appliances
98304 Painting – Exterior Buildings or Structures, Three Stories or Less in Height
98305 Painting – Interior Buildings or Structures
98344 Paperhanging
98449 Plastering or Stucco Work
98483 Plumbing – Residential or Domestic
98502 Prefabricated Building Erection > 2 stories
91300 Remodeling Contractor
98677 Roofing – Commercial or Residential 3+ Stories
98678 Roofing – Residential
91523 Pressure Washing see Cleaning Outside
98636 Refrigeration Equipment
98805 Septic Tank Systems Cleaning
98806 Septic Tank Systems – Install, Servicing
98813 Sewer Cleaning
98884 Sheet Metal Work
98967 Siding Installation
98993 Sign Erection Installation Repair
99003 Sign Painting or Lettering – Inside
99004 Sign Painting or Lettering – Outside
99080 Solar Energy Contractor
99613 Telephone or Cable Construction
99746 Tile, Stone, Marble, Mosaic or Terrazzo Work – Interior Construction
99650 TV / Radio Rec. Set – Residential
99777 Tree Pruning, Dusting, Spraying, Trimming, or Fumigating
99793 Truckers
99826 Upholstering
99827 Upholstery Shop
99948 Water Softening Equipment
99975 Window Cleaning – Less than 3 Stories
91581 Contractors – Subcontracted Work-In Connection with Construction, Reconstruction, Erection or Repair
