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Fully licensed & compliant
Trusted by contractors nationwide
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Fast coverage that helps you land more jobs.
Why should I get insurance for my contractor business?
As a contractor, you work in clients’ homes and businesses every day—often around valuable property and people. General Liability insurance protects your business from unexpected incidents, property damage, and third-party injury claims that can arise during normal operations.
Protects You From Costly Property Damage
Accidents happen. Whether it’s a damaged wall, broken fixture, or accidental water leak, General Liability insurance helps cover repair or replacement costs if you cause damage to a client’s property.
Covers Injuries to Clients or Third Parties
If a client, homeowner, or visitor is injured due to your work, such as tripping over tools or slipping near a job site, your policy can help cover medical expenses, legal fees, and settlements.
Helps You Win More Jobs
Many homeowners, landlords, property managers, and commercial clients require proof of insurance before hiring a contractor. Being insured makes you look more professional, credible, and trustworthy, giving you a competitive edge.
Protects Your Personal Finances
Without insurance, you may be personally responsible for claims or lawsuits. General Liability coverage helps ensure one accident doesn’t wipe out your savings or force you to shut down your business.
Peace of Mind While You Work
With the right coverage in place, you can focus on delivering great work, knowing your business is protected if something unexpected happens.
What Our Clients Say
Be Confident in Your Choice
Why Prime & Sub Insurance is the #1 Choice
✔ 5 Star Google Reviews
✔ Best rates guaranteed (we use our network of over 100+ carriers and wholesalers to get you best deals)
✔ Personalized support from licensed agents
✔ Coverage tailored for contractors
✔ Meets contract requirements (CSLBS approved)
✔Same Day Certificate of Insurance (COI)
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Excellent service with 100+
5-star reviews.
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Best rates guaranteed tailored to your business—without compromising coverage.
"A" Rated Coverage
Backed by top-rated carriers for maximum reliability and claims support.
Access to
100+ Carriers.
We shop for you.
Saving you time and money.
Access to 100+ carriers.
Serving clients nationwide.
Frequently asked questions about General Liability Insurance
What is General Liability Insurance?
General Liability Insurance protects your business from claims of bodily injury, property damage, and advertising/operations-related risks. It’s the foundation of contractor and trade coverage—helping safeguard your jobs, clients, and reputation.
Who needs General Liability Insurance?
Most jobs and contracts require proof of liability coverage before work begins. Without it, you risk losing projects and being personally responsible for costly claims.
What industries do you serve?
We specialize in insurance for contractors, trades, and service businesses across a wide range of industries. Whether you’re building, installing, repairing, or maintaining, we have coverage tailored to your work.
Industries we cover include:
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General Contractors & Subcontractors
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Electricians, HVAC, and Plumbers
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Roofers, Painters, and Carpenters
-
Appliance Installers & Repair Services
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Landscapers, Pool Contractors, and Smart Home Integrators
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Cleaning, Janitorial, Carpet, Gutter, and Maid Services
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Specialty Installers: Glass, Flooring, Garage Doors, Countertops, Signage, and More
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Niche Trades: Tiny Home Builders, Microgrid Installers, and other specialty services
With access to 100+ carriers, we match your business to the best coverage and rates for your specific trade.
Can I get a quote today?
Yes! Get a fast, free quote by calling us at 310-402-2038. We’ll compare top-rated carriers and help you choose the right coverage for your project.
Do you offer more than General Liability?
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Yes. While General Liability is the foundation, many contractors also need additional protection. We offer:
-
Workers’ Compensation
-
Tools & Equipment Coverage (Inland Marine)
-
Surety Bonds
-
Business Owners Policies (BOP)
-
Builders Risk (for larger projects)
Frequently asked questions about Insurance for Contractors
What is General Liability Insurance?
General Liability Insurance protects your business from claims of bodily injury, property damage, and advertising/operations-related risks. It’s the foundation of contractor and trade coverage—helping safeguard your jobs, clients, and reputation.
Who needs General Liability Insurance?
Most jobs and contracts require proof of liability coverage before work begins. Without it, you risk losing projects and being personally responsible for costly claims.
What industries do you serve?
We specialize in insurance for contractors, trades, and service businesses across a wide range of industries. Whether you’re building, installing, repairing, or maintaining, we have coverage tailored to your work.
Industries we cover include:
-
General Contractors & Subcontractors
-
Electricians, HVAC, and Plumbers
-
Roofers, Painters, and Carpenters
-
Appliance Installers & Repair Services
-
Landscapers, Pool Contractors, and Smart Home Integrators
-
Cleaning, Janitorial, Carpet, Gutter, and Maid Services
-
Specialty Installers: Glass, Flooring, Garage Doors, Countertops, Signage, and More
-
Niche Trades: Tiny Home Builders, Microgrid Installers, and other specialty services
With access to 100+ carriers, we match your business to the best coverage and rates for your specific trade.
Can I get a quote today?
Yes! Get a fast, free quote by calling us at 310-402-2038. We’ll compare top-rated carriers and help you choose the right coverage for your project.
Do you offer more than General Liability?
-
Yes. While General Liability is the foundation, many contractors also need additional protection. We offer:
-
Workers’ Compensation
-
Tools & Equipment Coverage (Inland Marine)
-
Surety Bonds
-
Business Owners Policies (BOP)
-
Builders Risk (for larger projects)
Lucas W.
I just wanted to say that I was helped by one of your team members, Nathan, and he was outstanding and such a pleasure to work with and I am extremely satisfied!
Elizabeth R.
Will helped me save so much on my homeowners insurance! The whole team is so friendly too 10/10!
Mikey Z.
Dean is the man! Thanks for helping me with my general liability!
Arian M.
When I started my contracting business, Harel was the first guy I called! He shopped my insurance through a ton of carriers and walked me through the entire process. Thanks, Harel!
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