Contractor Insurance in Delaware & Maryland

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Coverage That Works as Hard as You Do

Protecting Contractors, Subcontractors & Skilled Trades

Contractors face risk every time they step onto a job site—whether it’s a slip, a tool mishap, or a customer dispute. Contractor insurance helps cover those risks so you can focus on the work itself. Whether you're an electrician in Easton, a plumber in Dover, or a general contractor working across the shore, we’ll help you build a policy that meets job site requirements, keeps you compliant, and protects your equipment and crew. From one-person shops to growing teams, we know how to insure local trades.

What’s Included in Contractor Insurance?

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General Liability Insurance

Protects you if your work causes property damage or bodily injury—often required by clients or permits.

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Contractor’s Tools & Equipment Coverage

Covers the tools and machinery you take to job sites against theft, loss, or damage.

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Commercial Auto Insurance

 For vans, trucks, trailers, and other vehicles used for hauling gear or visiting sites.

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Workers Compensation

Covers your employees if they’re injured on the job, helping you stay compliant with state laws.

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Professional Liability (E&O)

Optional coverage for design-build firms or specialty contractors offering plans, advice, or consulting.

Own a trade business or work on job sites regularly?

Let’s build a contractor policy that checks every box—license requirements, site safety, and peace of mind.

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Built for Builders, Tradespeople & Independent Contractors

We insure contractors from Ocean City to the backroads of rural Delaware—so we understand your unique risks. We tailor coverage to match how you work, what you own, and who you hire or subcontract. No fluff, just the right protection for your jobs.

Benefits of having insurance with us:

  • Fast turnaround on COIs for job bids
  • Help understanding bonding and liability limits
  • Flexible coverage for part-time or seasonal work
  • Access to policies for general, specialty, and subcontractors
  • Personal service from agents who work with contractors regularly
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Answers to Your Insurance Questions Before You Hit the Job Site

Contractor Insurance FAQs

  • Do I need insurance if I’m just a one-person operation?

    Yes. Even solo contractors can face major liability risks. Plus, many clients and cities require proof of coverage before work begins.

  • What if I hire subcontractors—are they covered?

    Not automatically. You may be liable for their actions unless they carry their own insurance. We can help structure your policy appropriately.

  • How do I get a Certificate of Insurance (COI)?

    We can issue COIs quickly once your policy is in place. It’s a common request for contractors bidding on jobs or submitting permits.

  • What’s the difference between inland marine and tools & equipment coverage?

    They’re often used interchangeably for contractors. It covers movable tools and gear used at different sites, not fixed property.