--- title: General Contractor Insurance | Builder's Risk | Competitive Price description: Concklin Insurance Agency offers insurance solutions for General and Independent Contractors. The right coverage at a competitive price. Top Rated Carriers image: https://insurance.concklin.com/hubfs/worker-using-level-tool-measure-frame-house-constr-2021-08-28-15-56-12-utc-1.jpeg --- [Skip to content](https://insurance.concklin.com/general-contractor-insurance#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team**](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** **[630-268-1600](tel:+16302681600)** [![Concklin Logo-1](https://insurance.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- # General Contractor Insurance ## Insurance for your job sites, crews, tools, vehicles, and subcontractor work As a general contractor, you are responsible for keeping projects moving while managing employees, subcontractors, tools, equipment, vehicles, materials, property owners, vendors, and changing job-site conditions. An accident, injury, theft, lawsuit, damaged property, vehicle crash, or subcontractor issue can affect the job and your business. The right insurance program should reflect the work you do, the projects you take on, and the people and property involved. Concklin Insurance Agency helps general contractors review coverage for job-site liability, employee injuries, tools and equipment, business vehicles, subcontractor work, builder's risk, and other project-related exposures. Get a Quote [Contact our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) --- ## Insurance Built Around the Work You Do Your insurance should match the kind of contracting work you perform and the size of the projects you take on. Concklin works with general contractors involved in: - Residential remodeling - Custom homes - Commercial buildouts - Tenant improvements - Light commercial construction - New construction - Renovation work - Repair and improvement projects - Projects involving subcontractors - Projects requiring tools, equipment, vehicles, and materials at different job sites A contractor handling residential remodels may have different insurance needs than a contractor managing commercial buildouts or larger renovation projects. Your coverage should be reviewed around how your business operates. ## Common Risks for General Contractors Your work can create risk before, during, and after a project. Common concerns include: - Property damage at a job site - Injuries involving customers, tenants, visitors, or the public - Employee injuries - Subcontractor-related claims - Claims tied to completed work - Design or project management errors on certain projects - Theft of tools, equipment, or materials - Damage to rented or owned equipment - Auto accidents involving business vehicles - Pollution or environmental concerns on certain jobs No single policy covers every construction risk. The goal is to understand where your business is exposed and which coverages should work together. ## Key Insurance Coverages for General Contractors ### General Liability Insurance General liability insurance helps protect your business from certain injury and property damage claims involving other people. For example, it may respond if someone is injured at your job site or if your work damages someone else's property. It may also help pay legal defense costs if a covered claim leads to a lawsuit. [Learn more](https://insurance.concklin.com/commercial-general-liability-insurance) ### Commercial Auto Insurance If your business owns or leases vehicles, commercial auto insurance should be reviewed. You may use trucks, vans, trailers, or other vehicles to move between job sites, haul tools, pick up materials, meet customers, or support daily operations.  If your or your employees use their own vehicles for work, that should be reviewed separately under hired and non-owned auto coverage. [Learn more](https://insurance.concklin.com/commercial-auto-insurance) ### Builder's Risk Insurance Builder's risk insurance helps protect a construction project while work is in progress. It may cover the structure, materials, supplies, and completed work if there is a covered loss during construction. Builder's risk can apply to new construction, remodeling, renovation, and other projects where the building or improvements need protection before the job is finished. Responsibility for builder's risk can vary by project. It may fall to the property owner, general contractor, developer, or another party, so it should be reviewed before work begins. [Learn more](https://insurance.concklin.com/builders-risk-insurance) ### Pollution Liability Some contracting work can create pollution-related claims. This may involve fuel, chemicals, mold, dust, fumes, waste, contaminants, or environmental cleanup. Pollution concerns are not limited to large environmental contractors. Remodeling, renovation, excavation, plumbing, HVAC, roofing, and construction work can all create situations where pollution liability should be reviewed. ### Workers' Compensation Insurance If you have employees, workers' compensation should be part of your insurance review. If an employee gets hurt, workers' compensation can help cover medical costs, lost wages, and related expenses. Workers' compensation requirements vary by state, but the risk is practical. Even a smaller contracting business can face a serious employee injury claim. [Learn more](https://insurance.concklin.com/workers-compensation-insurance) ### Tools and Equipment Coverage Your tools and equipment may move from job site to job site, sit in a vehicle overnight, or be stored away from your main business location. A standard property policy may not be enough for tools, portable equipment, rented equipment, or materials that move with the work. Commercial inland marine insurance can help cover property that travels between locations, including contractor's tools and equipment. [Learn more](https://insurance.concklin.com/commercial-inland-marine-insurance) ### Umbrella Liability Insurance Umbrella liability insurance can provide additional liability limits above certain policies, such as general liability and commercial auto. For contractors, umbrella coverage may be needed when a project requires higher limits or when a larger claim could exceed the limits on the underlying policy.   [Learn more](https://insurance.concklin.com/commercial-umbrella-insurance) ### Professional Liability or Contractor's E&O Some general contractors provide advice, coordination, design input, construction management, value engineering, or other professional services as part of a project. General liability may not cover every claim tied to professional decisions, design recommendations, planning errors, or project management mistakes. Professional liability or contractor's errors and omissions coverage may be worth reviewing if your role goes beyond physical construction work. [Learn more](https://insurance.concklin.com/professional-liability-errors-omissions-insurance) ### Request a Quote ![Subcontractors](https://insurance.concklin.com/hubfs/Subcontractors.png "Subcontractors") ## Subcontractor Risk Subcontractors can help you take on more work and manage specialized parts of a project. They can also create risk for your business if their insurance is not reviewed before work begins. Before a subcontractor starts work, you should know whether they carry their own insurance, what limits they have, whether the coverage is active, and whether their work creates added risk for the project. ## Project Types We Help Review Different projects create different insurance questions. ### Residential Remodeling and Renovation Work Remodeling and renovation work often happen in or around existing spaces. That can increase the chance of claims involving occupied homes or buildings, customer property, dust, water damage, older electrical or plumbing systems, hidden conditions, and damage to existing structures. ### Custom Homes and New Construction Custom homes and new construction may involve higher project values, materials, builder's risk, subcontractors, equipment, and liability limits that match the size of the job. ### Commercial Buildouts and Tenant Improvements Commercial buildouts and tenant improvements may involve landlords, property managers, tenants, lease requirements, shared spaces, certificates, tight timelines, and work performed around active businesses. ### Light Commercial Construction Light commercial construction can involve larger property values, more subcontractors, heavier equipment, vehicle exposure, and higher liability requirements. ## Why General Contractors Work With Concklin ### Coverage Built Around Your Work Concklin helps you review insurance based on the projects you take on, the people involved, the equipment you use, and the risks tied to your work.  If you are considering larger projects or a new type of work, our team can help you review what may need to change in your insurance program.  ### Help With Policies That Need to Work Together Contractor insurance often involves several policies. Concklin helps you understand where each policy fits, where gaps may exist, and what should be reviewed as your business changes. ### Practical Guidance for Subcontractor Exposure Subcontractor relationships can create risk for your business. Concklin helps you think through subcontractor insurance, certificates, coverage limits, and related insurance questions. ### Support as Your Business Changes Your insurance needs can change when you add employees, buy vehicles, take on larger projects, use more subcontractors, purchase equipment, or move into a new type of work. Concklin helps you review those changes before they create coverage problems. ## Frequently Asked Questions --- ### What insurance do general contractors need? Most general contractors need more than one policy. Common coverages include [general liability](https://insurance.concklin.com/commercial-general-liability-insurance), [workers' compensation](https://insurance.concklin.com/workers-compensation-insurance), [commercial auto](https://insurance.concklin.com/commercial-auto-insurance), [tools and equipment coverage](https://insurance.concklin.com/equipment-floater), [builder's risk](https://insurance.concklin.com/builders-risk-insurance), and [umbrella liability](https://insurance.concklin.com/commercial-umbrella-insurance). Some contractors may also need pollution liability or [professional liability](https://insurance.concklin.com/professional-liability-errors-omissions-insurance) depending on the work they perform. ### Does a general contractor need general liability insurance? Yes. [General liability](https://insurance.concklin.com/commercial-general-liability-insurance) is one of the main coverages general contractors should review. It helps protect against certain injury and property damage claims involving other people, including some claims that happen during job-site work or after work is completed. ### Does general liability cover everything? No, [General Libaility](https://insurance.concklin.com/commercial-general-liability-insurance)doesn't cover every risk. General liability may not cover: - Injuries to your own employees - Damage to your own tools or equipment - Auto accidents involving business vehicles - Poor workmanship itself - Certain professional service errors - Pollution or environmental claims - Damage to property in your care, custody, or control That is why contractor insurance usually involves more than one policy. Your employees, vehicles, tools, equipment, projects, and subcontractor work should all be reviewed together. ### Does general liability cover faulty workmanship? [General liability](https://insurance.concklin.com/commercial-general-liability-insurance) usually does not pay to repair or replace poor workmanship itself. It may respond to certain resulting property damage claims, depending on the policy and claim facts. ### Do general contractors need workers' compensation insurance? If you have employees, [workers' compensation](https://insurance.concklin.com/workers-compensation-insurance) should be reviewed. Requirements vary by state, but the practical risk is clear: job-site injuries can create medical costs, lost wages, and related expenses. ### Do general contractors need commercial auto insurance? If your business owns or leases vehicles used for work, [commercial auto](https://insurance.concklin.com/commercial-auto-insurance) insurance should be reviewed. Employee-owned vehicles used for work should be reviewed separately under [hired and non-owned auto](https://insurance.concklin.com/hired-non-owned-auto-insurance) coverage. ### What insurance covers contractor tools and equipment? Tools and equipment are often covered through [inland marine](https://insurance.concklin.com/commercial-inland-marine-insurance) or an [equipment floater.](https://insurance.concklin.com/equipment-floater) This can help protect tools, machinery, and equipment that move between job sites, vehicles, storage locations, and temporary work areas. ### What is builder's risk insurance? [Builder's risk](https://insurance.concklin.com/builders-risk-insurance) insurance helps protect a construction project while work is in progress. It may cover the structure, materials, supplies, and completed work if there is a covered loss during construction. ### Does every project need builder's risk insurance? Not every project needs a separate [builder's risk policy](https://insurance.concklin.com/builders-risk-insurance), but builder's risk should be reviewed before construction begins. Responsibility for coverage may depend on the project, property owner, lender, general contractor, or contract requirements. ### Does insurance cover damage after a job is completed? Some [general liability](https://insurance.concklin.com/commercial-general-liability-insurance) policies include completed operations coverage, which may help respond to certain claims after work is finished. The exact response depends on the policy, the work performed, and the facts of the claim.   ### What affects the cost of a general contractor insurance program? Cost can depend on the type of work, revenue, payroll, number of employees, subcontractor use, project size, location, claims history, vehicles, equipment value, coverage limits, and safety practices. ### What if I use subcontractors but do not have employees? You may still have significant insurance needs. Subcontractor relationships can create contractual, liability, and certificate tracking issues even if you do not have direct payroll. ![How Rising Costs and Labor Shortages are Shaping Your Insurance Rates](https://insurance.concklin.com/hubfs/How%20Rising%20Costs%20and%20Labor%20Shortages%20are%20Shaping%20Your%20Insurance%20Rates.png "How Rising Costs and Labor Shortages are Shaping Your Insurance Rates") ## Contractors: How Rising Costs and Labor Shortages are Shaping Your Insurance Rates If you are in the construction business, you already know the challenges. Skilled labor is harder to find, material prices keep climbing, and regulations seem to shift constantly. What many contractors do not realize is how directly these issues are affecting their insurance costs, particularly [General Liability](https://insurance.concklin.com/commercial-general-liability-insurance) and [Workers’ Compensation](https://insurance.concklin.com/workers-compensation-insurance). Here is a closer look at what is happening and what you can do to protect your business. [Read the Article](https://blog.concklin.com/contractors-how-rising-costs-and-labor-shortages-are-shaping-your-insurance-rates) ## Insurance Insights and Risk Management Guidance Our blog articles help you stay informed and make more confident insurance decisions. [![When the Walk-In Freezer Goes Down: Understanding Food Spoilage and Time Deductibles](https://insurance.concklin.com/hs-fs/hubfs/When%20the%20Walk-In%20Freezer%20Goes%20Down%20Understanding%20Food%20Spoilage%20and%20Time%20Deductibles.jpg?height=200&name=When%20the%20Walk-In%20Freezer%20Goes%20Down%20Understanding%20Food%20Spoilage%20and%20Time%20Deductibles.jpg)](https://blog.concklin.com/when-the-walk-in-freezer-goes-down-food-spoilage-and-time-deductibles) ## [When the Walk-In Freezer Goes Down: Food Spoilage and Time Deductibles](https://blog.concklin.com/when-the-walk-in-freezer-goes-down-food-spoilage-and-time-deductibles) [Read Article](https://blog.concklin.com/when-the-walk-in-freezer-goes-down-food-spoilage-and-time-deductibles) [![](https://insurance.concklin.com/hs-fs/hubfs/Water%20Damage%20and%20Your%20Business%20Understanding%20Coverage%20Differences%20(1).png?height=200&name=Water%20Damage%20and%20Your%20Business%20Understanding%20Coverage%20Differences%20(1).png)](https://blog.concklin.com/water-damage-and-your-business-understanding-coverage-differences) ## [Water Damage and Your Business: Understanding Coverage Differences](https://blog.concklin.com/water-damage-and-your-business-understanding-coverage-differences) [Read Article](https://blog.concklin.com/water-damage-and-your-business-understanding-coverage-differences) [![](https://insurance.concklin.com/hs-fs/hubfs/Your%20Business%20Is%20Open%2c%20but%20Your%20Supplier%20Is%20Not.png?height=200&name=Your%20Business%20Is%20Open%2c%20but%20Your%20Supplier%20Is%20Not.png)](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) ## [Your Business Is Open, but Your Supplier Is Not](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) [Read Article](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) ## Talk to one of our agents --- ![Craig Concklin](https://insurance.concklin.com/hubfs/Headshots/Craig%20Concklin-1.jpeg "Craig Concklin") ### Craig Concklin [craig@concklin.com](mailto:craig@concklin.com) ##### President [See My Bio](https://insurance.concklin.com/craig-concklin) ![Michael Mormando-1](https://insurance.concklin.com/hs-fs/hubfs/Headshots/Michael%20Mormando-1.jpeg?width=200&height=200&name=Michael%20Mormando-1.jpeg "Michael Mormando-1") ### Michael Mormando [michael@concklin.com](mailto:michael@concklin.com) ##### Agent/Producer [See My Bio](https://insurance.concklin.com/michael-mormando) ![Mike O 2020 website](https://insurance.concklin.com/hs-fs/hubfs/Mike%20O%202020%20website.jpeg?width=200&height=200&name=Mike%20O%202020%20website.jpeg "Mike O 2020 website") ### Michael O'Donnell [mikeo@concklin.com](mailto:mikeo@concklin.com) ##### Agent/Producer ![Christine Lee Headshot 2021 website-1](https://insurance.concklin.com/hs-fs/hubfs/Christine%20Lee%20Headshot%202021%20website-1.jpeg?width=200&height=200&name=Christine%20Lee%20Headshot%202021%20website-1.jpeg "Christine Lee Headshot 2021 website-1") ### Christine Lee [christine.lee@concklin.com](mailto:christine.lee@concklin.com) ##### Agent/Producer [See My Bio](https://insurance.concklin.com/christine-lee) ![Peter 2](https://insurance.concklin.com/hs-fs/hubfs/Peter%202.jpeg?width=200&height=200&name=Peter%202.jpeg "Peter 2") ### Peter Mormando [peter@concklin.com](mailto:peter@concklin.com) ##### Agent/Producer ## Client Resources --- ### Client Portal The Zywave portal gives Concklin clients access to professionally written insurance, HR, safety, compliance, and risk management resources. Content can be tailored by industry, state, and preference, with email updates available when new resources are added. Contact your Concklin representative with any questions. [Log in to the Portal](https://insurance.concklin.com/client-portal) ### Client Advocacy Independent agents can serve as trusted advisors before and after coverage is bound. If a claim occurs, we can help you understand the process, communicate with the carrier, and gather information needed for the claim. Being in your corner means being there every step of the way, from helping you decide if a claim should be filed to talking with claims adjusters, the wellbeing of our clients is our number one priority. [Learn More](https://insurance.concklin.com/client-advocacy) ### Cyber Resources Cyber threats can create serious costs for small businesses, including breach response, forensic work, customer notifications, legal expenses, and reputational damage. Concklin Insurance Agency offers cyber liability insurance, along with resources to help business owners better understand and reduce their cyber risk. [Learn More](https://insurance.concklin.com/client-advocacy) ![worker-using-level-tool-measure-frame-house-constr-2021-08-28-15-56-12-utc-1](https://insurance.concklin.com/hubfs/worker-using-level-tool-measure-frame-house-constr-2021-08-28-15-56-12-utc-1.jpg "worker-using-level-tool-measure-frame-house-constr-2021-08-28-15-56-12-utc-1") ## Request a review of your insurance program Your insurance should reflect how your contracting business works, including your projects, job sites, employees, subcontractors, tools, equipment, and vehicles. Concklin Insurance Agency can help you review your current coverage, identify gaps, and build an insurance program around your contracting business. Request a Quote [Contact our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) [![Concklin Logo](https://insurance.concklin.com/hs-fs/hubfs/Concklin%20Logo.png?width=150&height=48&name=Concklin%20Logo.png "Concklin Logo")](http://concklin.com) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) - About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Restaurants](https://restaurants.concklin.com) - [Franchised Restaurants](https://restaurants.concklin.com/franchised-restaurants) - [Contractors](https://insurance.concklin.com/general-contractor-insurance) - [Habitational](https://insurance.concklin.com/habitational-insurance) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Business Owners' Policy](https://insurance.concklin.com/business-owners-insurance-policy) - [Commercial Property](https://insurance.concklin.com/commercial-property-insurance) - [General Liability](https://insurance.concklin.com/commercial-general-liability-insurance) - Workers' Compensation - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - [Homeowners' Policy](https://insurance.concklin.com/homeowners-insurance) - [Personal Auto Policy](https://insurance.concklin.com/auto-insurance) - [Personal Umbrella Policy](https://insurance.concklin.com/personal-umbrella-insurance) - [Flood Insurance](https://insurance.concklin.com/flood-insurance) - Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- REQUESTING COVERAGE DOES NOT GUARANTEE COVERAGE CAN BE PROVIDED.  COVERAGE CAN BEGIN ONLY WITH SPECIFIC STATEMENT BY A LICENSED MEMBER OF CONCKLIN INSURANCE AGENCY. MISSTATEMENTS OR OMISSIONS OF RELEVANT INFORMATION CAN LEAD TO PRICE VARIATION OR EVEN DECLINATION OR RESCISSION OF COVERAGE. NONE OF THE INFORMATION PROVIDED ON THIS WEBSITE IS A GUARANTEE THAT INSURANCE WILL BE PROVIDED OR THAT CONCKLIN INSURANCE AGENCY IS OBLIGATED TO PROCURE INSURANCE FOR ANY WEBSITE VISITORS. 240 S. WESTMORE MEYERS ROAD, LOMBARD IL 60148 630-268-1600 | [CONCKLIN@CONCKLIN.COM](mailto:concklin@concklin.com) [Privacy Policy](https://insurance.concklin.com/privacy-policy) Copyright © 2026, Concklin Insurance Agency ```json { "@context" : "https://schema.org", "@id" : "https://insurance.concklin.com/#organization", "@type" : [ "Organization", "LocalBusiness", "InsuranceAgency" ], "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Lombard", "addressRegion" : "IL", "postalCode" : "60148", "streetAddress" : "240 S. Westmore Meyers Road" }, "alternateName" : [ "Concklin Insurance", "Concklin" ], "areaServed" : [ { "@type" : "State", "name" : "Illinois" }, { "@type" : "Country", "name" : "United States" } ], "contactPoint" : [ { "@type" : "ContactPoint", "areaServed" : "US", "availableLanguage" : [ "en" ], "contactType" : "customer service", "email" : "concklin@concklin.com", "telephone" : "+16302681600" } ], "description" : "Concklin Insurance Agency is an independent insurance agency in Lombard, Illinois, providing business insurance, personal insurance, life insurance, health insurance, franchise insurance, restaurant insurance, cyber liability insurance, and risk management guidance.", "email" : "concklin@concklin.com", "founder" : [ { "@type" : "Person", "name" : "Craig Concklin" }, { "@type" : "Person", "name" : "Tom Concklin" } ], "foundingDate" : "1981", "image" : { "@id" : "https://insurance.concklin.com/#logo" }, "legalName" : "Concklin Insurance Agency, Inc.", "logo" : { "@id" : "https://insurance.concklin.com/#logo", "@type" : "ImageObject", "height" : 2100, "url" : "https://insurance.concklin.com/hubfs/Concklin%20Logo-1.png", "width" : 6600 }, "name" : "Concklin Insurance Agency", "openingHoursSpecification" : [ { "@type" : "OpeningHoursSpecification", "closes" : "17:00", "dayOfWeek" : [ "Monday", "Tuesday", "Wednesday", "Thursday", "Friday" ], "opens" : "08:30" } ], "sameAs" : [ "https://www.facebook.com/ConcklinInsurance/", "https://www.linkedin.com/company/concklin-insurance-agency", "https://twitter.com/ConcklinA", "https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A" ], "telephone" : "+16302681600", "url" : "https://insurance.concklin.com/" } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Most general contractors need more than one policy. Common coverages include general liability, workers' compensation, commercial auto, tools and equipment coverage, builder's risk, and umbrella liability. Some contractors may also need pollution liability or professional liability depending on the work they perform." }, "name" : "What insurance do general contractors need?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. General liability is one of the main coverages general contractors should review. It helps protect against certain injury and property damage claims involving other people, including some claims that happen during job-site work or after work is completed." }, "name" : "Does a general contractor need general liability insurance?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "No, General Libaility doesn't cover every risk. General liability may not cover: Injuries to your own employees Damage to your own tools or equipment Auto accidents involving business vehicles Poor workmanship itself Certain professional service errors Pollution or environmental claims Damage to property in your care, custody, or control That is why contractor insurance usually involves more than one policy. Your employees, vehicles, tools, equipment, projects, and subcontractor work should all be reviewed together." }, "name" : "Does general liability cover everything?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "General liability usually does not pay to repair or replace poor workmanship itself. It may respond to certain resulting property damage claims, depending on the policy and claim facts." }, "name" : "Does general liability cover faulty workmanship?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "If you have employees, workers' compensation should be reviewed. Requirements vary by state, but the practical risk is clear: job-site injuries can create medical costs, lost wages, and related expenses." }, "name" : "Do general contractors need workers' compensation insurance?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "If your business owns or leases vehicles used for work, commercial auto insurance should be reviewed. Employee-owned vehicles used for work should be reviewed separately under hired and non-owned auto coverage." }, "name" : "Do general contractors need commercial auto insurance?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Tools and equipment are often covered through inland marine or an equipment floater. This can help protect tools, machinery, and equipment that move between job sites, vehicles, storage locations, and temporary work areas." }, "name" : "What insurance covers contractor tools and equipment?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Builder's risk insurance helps protect a construction project while work is in progress. It may cover the structure, materials, supplies, and completed work if there is a covered loss during construction." }, "name" : "What is builder's risk insurance?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Not every project needs a separate builder's risk policy, but builder's risk should be reviewed before construction begins. Responsibility for coverage may depend on the project, property owner, lender, general contractor, or contract requirements." }, "name" : "Does every project need builder's risk insurance?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Some general liability policies include completed operations coverage, which may help respond to certain claims after work is finished. The exact response depends on the policy, the work performed, and the facts of the claim." }, "name" : "Does insurance cover damage after a job is completed?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Cost can depend on the type of work, revenue, payroll, number of employees, subcontractor use, project size, location, claims history, vehicles, equipment value, coverage limits, and safety practices." }, "name" : "What affects the cost of a general contractor insurance program?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "You may still have significant insurance needs. Subcontractor relationships can create contractual, liability, and certificate tracking issues even if you do not have direct payroll." }, "name" : "What if I use subcontractors but do not have employees?" } ] } ```