Commercial Insurance
Contractors Insurance
Insurance for Arkansas contractors and tradespeople: general liability, tools and equipment, commercial auto, workers' comp, and more.
Contractors face risks that most businesses don't, from job site injuries and property damage to tools that go missing and contracts that require specific coverage. Contractors insurance brings together the policies your business needs to work, win bids, and protect what you've built.
We insure many types of contractors, including electricians, plumbers, carpenters, painters, HVAC and roofing companies, landscapers, remodelers, and cleaning businesses. Before presenting options, we'll review your operations and contract requirements, then recommend carriers and coverage that fit.
What Contractors Insurance typically covers
General Liability
Helps cover bodily injury and property damage claims arising from your work, including completed operations after a job is finished. Often required to sign contracts.
Tools and Equipment
Inland marine coverage can help protect tools and equipment on the job site, in your truck, or in storage.
Commercial Auto and Workers' Comp
Coverage for the trucks and vans your business uses, plus workers' compensation for employee injuries when required or recommended.
Professional Liability and Bonds
Options for errors and omissions if you provide design or advice, and contractor license or surety bonds when a project or permit requires them.
Certificates and Arkansas requirements
General contractors, property owners, and municipalities often ask for a certificate of insurance before you start work. Arkansas workers' compensation rules can also apply differently to contractors and subcontractors, so we'll help you confirm what your business needs.
Related coverage
Common questions
What insurance do contractors need in Arkansas?
Most contractors start with general liability, and many also need commercial auto, tools and equipment coverage, and workers' compensation if they have employees. Your contracts, licenses, and permits may require specific limits or bonds.
Should my subcontractors carry their own insurance?
Generally, yes. Requiring subcontractors to carry their own general liability and workers' compensation, and collecting their certificates, can help protect your business from claims tied to their work.
Can I bundle contractor coverages into one policy?
Many small contractors qualify for a Business Owners Policy that combines general liability and property coverage. We'll review whether a BOP or separate policies fit your operation.
Ready to protect what matters with the right contractors coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.