Insurance for contracting, handled.

General Liability

Third-party bodily injury and property damage your work or operations cause — a client trips over a cord, you crack a homeowner's tile, your sign falls on a car. Includes products-completed-operations (claims after the job is done).

Contracts often require: Additional insured (often with a CG 20 10 / CG 20 37 endorsement for ongoing + completed ops), waiver of subrogation, and primary & non-contributory wording are the three things contracts ask for most.

Workers' Compensation

Medical bills and lost wages when an employee is hurt on the job, plus employer's liability. Rated on payroll by class code.

Contracts often require: Certificate of WC + a waiver of subrogation in favor of the GC is standard. GCs verify it before you're allowed on site.

Commercial Auto

Liability and physical damage for vehicles used for the business — the work truck, van, or trailer. Hired & non-owned auto covers employees driving their own vehicles for work.

Contracts often require: $1M CSL, additional insured, and waiver of subrogation are common. Hauling others' materials may trigger a cargo/installation-floater ask.

Builder's Risk

Property coverage on a structure WHILE it's under construction — fire, wind, theft of materials, vandalism — plus materials on site and sometimes in transit. Project-specific, term-limited.

Contracts often require: Owner or GC specifies who buys it (often the GC on GMP jobs), the completed-value limit, and the named insureds (owner, GC, lender).

Surety & Bonds

Not insurance — a three-party guarantee. License/permit bonds (to get licensed and pull permits), bid bonds, and performance & payment bonds (guaranteeing you finish the job and pay subs/suppliers).

Contracts often require: Public and many private jobs require bid + performance & payment bonds (often via the Little Miller Act on public work). Single + aggregate bonding capacity matters for growth.

Tools & Equipment (Inland Marine)

Your tools, equipment, and materials wherever they are — on the job site, in transit, or stolen from the truck. Often written as a contractor's equipment / installation floater.

Contracts often require: Rarely contract-required, but installation floaters matter when you're installing owner-furnished materials you're responsible for until acceptance.

Owners/lenders require GL ($1M/$2M, often higher or umbrella), additional insured (ongoing + completed ops, CG 20 10 + CG 20 37), primary & non-contributory, waiver of subrogation, WC, $1M auto, builder's risk on new construction, and bid/performance/payment bonds on bonded work.

Utah DOPL B100 (general building) / general engineering and specialty licenses apply; public work requires statutory payment & performance bonds. GCs must collect COIs from every sub or absorb their exposure at audit.