Contractor Insurance
Commercial General Liability built and priced for the work that you do.
Backed by industry leaders
Why do contractors need insurance?
You work on other people's property. Commercial General Liability is the policy that answers when the work goes wrong - a client trips over your cords, a pipe you touched floods the unit below.
It can pay the claim and the legal defence, which is why almost every general contractor, property manager, and municipality wants your certificate on file before you're allowed on site.
What does contractor insurance cover?
01 / 04What makes Foxquilt's contractor insurance different?
Multiple trades? No problem
Handyman with lawn work on the side? Tell us the split and we price your real business.
Completely digital, start to finish
Quote and buy from the truck, the site, or the kitchen table - on your own, or with our team.
Certificates when you need them
Your COI is emailed the moment you buy. Need one naming the GC? Let us know.
Foxquilt's contractor insurance is built for…
Don't see your trade? We write Commercial General Liability for over 500 professions.
Answers in, certificate out.
Every trade you work, on one policy.
Tell us about your business and our platform does the work of building you a policy that matches. It's quick, digital, and comprehensive.
A real price you can buy on the spot.
Your quote is priced instantly with the limits your contracts ask for. Choose a payment plan that works for you and pay online to put the coverage in force.
Certificates and policy docs, straight to your inbox.
Your COI and policy documents are emailed the moment you buy, so the general contractor has proof of insurance before the day is out.
What other coverages do contractors need?
Errors & Omissions
For the design, spec, and consulting side of your work: claims of financial loss caused by the advice or service you provided. With Foxquilt, you can hold CGL and E&O together.
See E&O Coverage →Covers medical care and lost wages when one of your own employees is hurt on the job. Required in most states the moment you hire your first employee.
Learn More→Covers the vans, trucks, and trailers you drive to site. Your personal auto policy very likely excludes business use.
Learn More→Covers a breach of your customer data, a ransomware lock-out, or a wire transfer sent to a fraudster.
Learn More→Covers your own gear - the shop, the tools, the equipment, the material on site. CGL only pays for other people's property, so this is the other half of the pair.
Learn More→It depends on your trades, your revenue, and where you work. The quote you see online is the real price, not an estimate we revise later.
Depending on where your business is located and the work that you do, coverage limits available to you range from $1,000,000 to $5,000,000.
Your first COI is emailed the moment your payment clears. After that you can issue a new one yourself - including naming an additional insured - in about a minute, as many times as you need, at no charge.
Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.
Yep! That's why contractors love Foxquilt. Add each profession during the application and assign a rough percentage of your work to each. We rate the blend, so a handyman who also does landscaping is not priced as though every job were the riskiest one.
Usually, yes. A homeowner's policy won't respond to a business claim, and sole operators face the same third-party injury and damage claims a ten-person shop does. Most general contractors and property managers require it in writing before you start.
Yes. Pay the annual premium up front, or spread it across monthly instalments at checkout. Either way coverage starts as soon as the first payment is confirmed.
What real small business owners say after choosing Foxquilt.
The process was smooth and simple. In addition to that, they offered the best coverage out of all of the other companies I researched.
I've been a client at Foxquilt for the past year, having switched my business insurance over because of their affordable rates and seamless service. I recently had to file a claim and couldn't be more pleased with the care and service that Nick offered in the process. Thanks to him, things got resolved quickly and easily. Happy to have landed at Foxquilt.
Foxquilt gets me the insurance on time to get the job!
Get your contractor quote in under ten minutes.
Answer a few questions about your trades and get your certificate straight to your inbox today.