Contractors Insurance

Types of Contractors Insurance Coverage

Contractors face a wide range of risks on every job site. The right insurance package protects your business, your employees, and your clients. Here are the key types of coverage most contractors in South Carolina need:

• General Liability Insurance – Covers third-party bodily injury, property damage, and advertising claims. This is the foundation of any contractors insurance policy.
• Workers Compensation – Required in South Carolina for businesses with 4 or more employees. Covers medical costs and lost wages for workplace injuries.
• Commercial Auto Insurance – Protects your work vehicles, tools, and equipment while in transit between job sites.
• Builders Risk Insurance – Covers structures under construction from fire, theft, vandalism, and weather damage.
• Professional Liability – Also known as errors and omissions (E&O), this covers claims arising from design flaws or project mistakes.
• Inland Marine Insurance – Protects tools, equipment, and materials that move between job sites.

Bridge Insurance helps you bundle these coverages into a comprehensive package that fits your trade and budget.