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Contractors Insurance in Pennsylvania and Maryland

Find Contractors Insurance in Lancaster, PA

Custom home builders, remodelers, electricians, plumbers, roofers, and landscapers are part of what keeps Lancaster County growing. Each job site brings its own risks, and many clients will not let you start work without proof of insurance. HomeSale Insurance Services builds insurance programs for contractors in Lancaster, Neffsville, Marietta, Brownstown, and throughout Pennsylvania and Maryland, shaped around each trade and the projects it takes on.

Coverage Built for the Job Site

Contractors insurance is usually a combination of policies working together. Depending on your trade, your program may include:

• General liability for injuries and property damage tied to your work
• Tools and equipment coverage, often called inland marine, for gear that travels between job sites
• Builder's risk for structures and materials while a project is under construction
• Commercial auto for work trucks, vans, and trailers
• Workers compensation for employees hurt on the job
• Commercial umbrella for extra liability protection above your other policies

Help With Contracts and Certificates

General contractors, property owners, and municipalities often set insurance requirements before you can bid or begin a project. These may call for additional insured wording or certificates of insurance. Our agents can review contract requirements with you, explain what your current policies include, and help you get certificates issued when you need them, so your projects stay on schedule.

Contractors Insurance FAQ

Do subcontractors need their own insurance?

Often, yes. Many general contractors require subcontractors to carry their own coverage and provide certificates before work begins.

Can I get coverage as a one-person operation?

Yes. Coverage is available for solo contractors and handymen as well as larger crews.

Should I update my policy when I take on bigger projects?

It is a good idea. New project types, added employees, or new equipment can change your coverage needs.

Get Coverage Built for Your Lancaster Trade

Get coverage that works as hard as you do. Contact us or call 800-425-5130 to speak with a HomeSale Insurance Services agent about contractors insurance and your other business insurance needs.