Contractors Insurance
Coverage That Works as Hard as You Do
You put in long days, manage tight schedules, and take pride in your work. Your insurance should do the same. At Barrett Insurance, we help contractors and tradespeople protect their business with coverage designed for the real risks you face—on the job site, on the road, and back at the shop.
Whether you’re a general contractor or a specialized trade, we take the time to understand how you work so we can build insurance coverage that fits your operation—not someone else’s.
Built for Contractors & Trades
Contractors face unique exposures every day, from property damage and job-site injuries to tools, equipment, and contractual requirements. That’s why we work with insurers that offer business owner and contractor-specific policies that combine essential coverages into one streamlined solution.
These policies are designed to provide strong protection at a competitive price—without unnecessary extras.
Core Coverage for Contractors
Common coverages available for contractors and trades include:
Contractors General Liability
Protects your business from claims involving bodily injury or property damage arising from your work, including limits that apply per project.
Additional Insured Coverage
Helps meet common contract requirements by extending coverage to project owners or other parties when required.
Property of Others Coverage
Provides protection for damage to property belonging to others, including certain claims related to faulty workmanship.
Business Property Coverage
Covers buildings, materials, and business personal property, often at replacement cost.
Business Income & Extra Expense
Helps replace lost income and cover additional expenses if your business operations are interrupted due to a covered loss.
Tools, Equipment & Inland Marine Coverage
Your tools and equipment are essential to your business. Contractor equipment and inland marine coverage can help protect:
- Owned equipment
- Leased, rented, or borrowed equipment
- Tools at replacement cost
- Materials and equipment during installation, storage, or transit
This coverage helps ensure you can get back to work quickly if something is damaged, stolen, or lost.
Addressing Today’s Risks
Contractors face more than physical risks. Many policies also include or offer coverage for:
Identity theft and fraud protection
Security breach and document recovery services
Short-term pollution exposures at job sites
We’ll help you understand what’s included and where added protection may make sense.
Why Contractors Choose Barrett Insurance
We understand the trades—and we understand the importance of keeping your business moving. As a local, independent agency, we:
- Compare coverage from multiple insurers
- Help you meet contract and certificate requirements
- Adjust coverage as your business grows or changes
- Provide real support when you need it most
You won’t be dealing with a call center. You’ll work with someone who knows your business and values your time.
Request a Contractors Insurance Quote
Looking for insurance that protects your work, your equipment, and your livelihood?
