Risks to review
- Job-site injury and property damage
- Tools and mobile equipment loss
- Contractual and completed-operations claims
Commercial industry expertise
Contractors Insurance
Contractors need responsive protection that follows their people and equipment from the office to each active job site.
Protection shaped around contractors
Coverage for job sites, crews, equipment, vehicles, and contractual risk. Cox & Associates helps organize coverage around the way your operation actually works.
Coverage to consider
- General and excess liability
- Builders risk and inland marine
- Commercial auto and workers’ compensation
Guidance for distinct contractors operations
Different business models create different property, liability, people, vehicle, product, and income exposures. Choose the operation closest to yours for a focused starting point.
General Contractor Insurance
Coverage planning for general contractors coordinating projects, subcontractors, contracts, job sites, vehicles, equipment, and completed work.
Explore this operation →Electrical Contractor Insurance
Protection for electrical installation, service, employees, vehicles, tools, job sites, and completed operations.
Explore this operation →Plumbing & HVAC Contractor Insurance
Coverage planning for plumbing, heating, cooling, mechanical systems, water damage, vehicles, equipment, and service work.
Explore this operation →Roofing Contractor Insurance
Specialized protection for roofing work, height, hot work, weatherproofing, employees, subcontractors, vehicles, and completed operations.
Explore this operation →Concrete & Masonry Contractor Insurance
Insurance planning for concrete, masonry, excavation, pumps, cranes, employees, vehicles, equipment, and structural work.
Explore this operation →Remodeling Contractor Insurance
Protection for renovation contractors working in occupied homes and businesses, with subcontractors, tools, vehicles, and completed operations.
Explore this operation →Explore contractors coverage priorities
Commercial Property
Property insurance planning connects physical assets, current replacement costs, income, and a realistic recovery timeline.
View the industry guide →General Liability
General liability planning starts with how customers, vendors, tenants, and the public interact with the operation.
View the industry guide →Workers' Compensation
Workers’ compensation planning should reflect actual duties, payroll, locations, supervision, and workplace controls.
View the industry guide →Commercial Auto
Commercial auto planning matches vehicles, drivers, use, radius, and contracts to the business’s real road exposure.
View the industry guide →Commercial Umbrella & Excess Liability Insurance
Umbrella and excess planning tests whether underlying liability limits are adequate for a severe claim or contractual obligation.
View the industry guide →Commercial Flood
Flood planning evaluates building, contents, elevation, prior loss, financing requirements, and available FEMA, private, or excess options.
View the industry guide →Cyber Liability
Cyber insurance planning connects an operation's data, systems, vendors, money movement, and interruption exposure to incident-response and liability protection.
View the industry guide →Contractors coverage planning
Contractor General Liability Insurance
Liability planning for active job sites, completed work, subcontractors, contracts, and third-party property damage.
Explore this solution →Prepare for every stage of the contractors insurance review
Use these focused guides to organize a submission, review cost drivers, prepare for renewal and claims, strengthen controls, and connect contracts to coverage.
Insurance Basics
Start with the operation, people, property, vehicles, services, and income that make this industry distinct.
Open this guide →Insurance Cost Factors
Understand the business details that can influence appetite, pricing, deductibles, limits, and market selection.
Open this guide →Quote Preparation Checklist
Prepare a clear operating narrative, accurate schedules, current values, and useful loss information.
Open this guide →Renewal Checklist
Update the insurance program for changes in operations, locations, people, property, vehicles, contracts, and revenue.
Open this guide →Loss-Control Priorities
Focus attention on preventable incidents, high-severity scenarios, documentation, training, and accountability.
Open this guide →Claims Readiness
Define how the business will protect people, report a loss, preserve information, and continue critical operations.
Open this guide →Contracts and Certificates
Connect leases, customer agreements, vendor contracts, and certificate requests to the insurance program.
Open this guide →Common Coverage Gaps
Look for exposures that fall between property, liability, auto, workers compensation, cyber, and specialty policies.
Open this guide →Prepare, prevent, and recover
Insurance Submission Planning
Organize the operational, financial, property, and loss information an underwriter needs to understand the account.
Open the playbook →Loss-Control Priorities
Focus on practical controls that can reduce claim frequency, severity, and preventable disruption.
Open the playbook →Business-Continuity Planning
Map the people, property, equipment, suppliers, and revenue dependencies needed to recover after a loss.
Open the playbook →Prepare a stronger contractors submission
These focused resources connect operating details, loss information, controls, and policy decisions to the quote and renewal process.
Contractor Insurance Contract Checklist
Translate contract insurance requirements into a practical review of liability, auto, workers’ compensation, bonds, and certificates.
Read the guide →A commercial conversation first
Policy terms, limits, exclusions, eligibility, and availability vary. A focused review helps determine which protections fit the operation and which quote path makes sense.