Contractors Insurance Massachusetts

Choice Insurance Agency

Contractors Insurance in Massachusetts

Offering customized insurance solutions in Massachusetts and beyond.

What is contractors insurance?

Working as a contractor comes with inherent risks, and it’s important for contractors in Massachusetts to protect against the risks they face. That’s why there’s contractors insurance.

Contractors insurance is a tailored insurance solution for those working in construction or the trades. Policies can be customized to protect against a variety of liability and property risks.

Which Massachusetts businesses need contractor liability insurance?

Contractor liability insurance is broadly recommended for Massachusetts businesses in construction and the skilled trades. Coverages to protect a business’s assets are also strongly recommended, too.

For example, the following professionals and businesses might get this type of policy:

  • General contractors and subcontractors
  • Homebuilders and remodelers
  • Commercial construction companies
  • Specialized construction companies (e.g. marine)
  • Trade professionals (e.g. electricians, plumbers, carpenters)

Quotes Available in Massachusetts & Other States

Contractors Insurance Massachusetts

Words from our Clients

Gained a customer for life.

Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.

Great people, great insurance, great advice, great price.

Kristoffer S., Google Review

Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.

Mike R., Google Review

I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!

Christine A., Google Review
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
M. Maxwell, Google Review

Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.

Chris C., Google Review

I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.

Matthew P., Google Review
Choice Insurance Agency

We love to hear from our clients! Your feedback helps us continue to improve our service and insurance offerings.

What protections can contractors policies come with?

Contractors policies are broadly useful in construction and the trades, largely because these policies can come with a wealth of protections. Available protections usually include both property coverages and liability coverages.

Property coverages are primarily for protecting the assets that a contractor or their business owns. Some examples of property protections contractors might want are:

  • Commercial Building Insurance: Could protect a commercial property that the business owns, such as an office building, garage, or storage facility.
  • Commercial Contents Insurance: Could protect assets located at a contractor’s facility, such as construction materials, equipment, and tools.
  • Builders Risk Insurance: Could protect construction materials, equipment, and tools when they’re located at a job site. May also cover structures being worked on.
  • Inland Marine Insurance: Could protect construction materials, equipment, and tools when they’re being taken to/from job sites.
  • Equipment Breakdown Insurance: Could protect against the sudden breakdown of crucial machinery or equipment.

Contractor liability insurance coverages typically protect in situations where someone else might sue. Some examples of liability protections that contractors might need are:

  • General Contractor Liability Insurance: May protect against common accidents that lead to injuries or property damage, often covering accidents at a contractor’s location or a job site.
  • Commercial Auto Insurance: May protect against auto accidents involving a contractor’s work vehicles, and also insure against other causes of vehicle damage.
  • Commercial Umbrella Insurance: May protect against lawsuits that exceed the coverage limits of another, underlying liability insurance protection.

What sorts of work are contractors policies able to cover?

Contractors policies are available for a wide variety of construction and trade work. Policies are readily available for residential construction, commercial construction, renovation and remodeling, and trade services such as electrical, plumbing, gas, roofing, and HVAC work.

An insurance agent who specializes in these policies can help contractors find a policy that’s uniquely tailored to their particular work. 

Contractors Insurance Massachusetts

Can one contractor policy provide coverage for multiple job sites?

Many contractors policies can be set up to cover multiple job sites simultaneously. It’s important to check specific coverage terms, however, as some policies may vary. Contractors who need coverage for multiple job sites can work with a knowledgeable insurance agent to find a policy that’s able to do this.

Are construction bonds included in contractors policies?

Construction bonds and contractors policies are typically obtained separately, even though insurers often underwrite both. An insurance agent who’s familiar with contractors policies should be able to also assist with construction bonds.

How much are the premiums for contractors policies?

The insurance premiums paid by contractors vary, as they’re influenced by many different factors. A contractor’s type of work, scope of projects, number of projects, kinds of vehicles, and equipment are just some of the many details that impact cost.

Working with an independent insurance agent is an easy way to see how much a policy will cost in a specific situation. Independent agents aren’t linked with any one insurance company, so they can obtain customized quotes from several.

Choice Insurance Agency

Where can contractors in Massachusetts find contractors insurance?

If you’re a contractor or tradesperson in Massachusetts, let us at Choice Insurance help you find the insurance you need. Our agents have helped many construction and trade businesses in the state, and we’ll make sure you find the contractors insurance that’s right for your business.

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Have questions or need a quote? No problem! Send our team a message and we’ll reach out shortly with the answers you need.

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