Coverage for contractors that's actuallyclearsite-readyyoursfairclear
GCs, trades, and subs face risk on every job, and a generic policy leaves gaps your contracts will not accept. We know the carriers that want your class of work and shop them across 20+ markets.
What contractors usually carry.
The lines most construction operations need, and why.
| Coverage | What it covers | Good to know |
|---|---|---|
| General liability | Third-party injury and property damage on the job | Contracts demand it with additional-insured wording |
| Tools and equipment | Your gear on site and in transit | Inland marine, because property stops at the building |
| Workers' compensation | Injury to your crew | Required, and class codes drive the price |
| Commercial auto | Trucks, trailers, and the cargo you haul | Personal auto will not cover the work use |
| Builders risk | The structure while it is under construction | Often required by the project owner |
| Umbrella | Excess limits over everything above | Many GCs require subs to carry it |
Additional-insured and waiver-of-subrogation wording is set by your contracts. We place the policy to match them.
Bidding work that needs a certificate? Send us the requirements, we will match them, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Contractor coverage, answered.
The questions trades ask before they place a program.
The other party wants your policy to extend coverage to them for claims arising from your work, often on a primary, non-contributory basis with a waiver of subrogation. The exact wording matters, and we place it at binding so the certificate holds up.
You want your subs to carry their own GL and name you as additional insured, and you want certificates on file. Where they do not, their exposure can fall to your policy. We help you set the requirements.
Only on an inland marine policy. Your property coverage stops at the building, so gear on the job or in the truck needs the floater. We size it to your fleet.
Once coverage is in force, usually the same business day, in the wording the GC or owner requires. We reply to any question within 2 business hours.
Ready when you are