Protect Your Contracting Business without Overpaying

Contractors Insurance Program

Running a contracting business is extremely difficult. 

You’re forced to wear multiple hats at all times, all of which cut into what you really want to be doing, the work.

That’s why we built an exclusive contractors insurance program to address the unique needs of contractors, subcontractors and independent tradesman including the following classes…

  • Plumbing
  • Heating, Vents and Air
  • Construction
  • Carpentry
  • Floor Installation
  • Electrician
  • Landscaping
  • Masonry
  • Painter
  • And many more…
improve return to work program


Click the button below to begin your contractors insurance quote.

Why do Contractors Choose Rogue Risk?

The following program highlights were specifically designed to address the needs of Contracting Businesses.

  • Preferred pricing options: We with best-in-class insurance carriers who understand the plumbing business and are hungry to add new clients.
  • Custom-tailored insurance: We specialize in plumbing businesses like yours and tailor coverage to the risks in your specific operation.
  • Claims responsiveness: When a claim is reported, our carrier partners immediately assign a dedicated claims representative to assist you.
  • Surety Bonds: Rogue Risk can handle all your bonding needs from start to finish.
  • Passion for convenience: We know you’re busy, so without sacrificing service or quality of products, we set up our agency to be convenient for you and your schedule.

Frequently Asked Questions about Contractors Insurance

Below are answers to frequently asked questions (FAQs) about contractors insurance. If you have other questions you can contact us using the form above.

Contractors liability insurance offers your business protection and peace of mind for the unpredictable accidents that inevitably occur in every business. With the right independent contractor insurance, you can do your work and focus on the job at hand. You also need contractors liability insurance to get a Certificate of Insurance (COI) for a client job.

Pricing is a moving target.  It depends on the size of your business and the services you offer your clients.  It also depends on the types of coverage you need.  For example, if you only need General Liability, it would cost less than if you need to cover Property and Workers’ Compensation along with General Liability.  That being said, a solid liability only policy will start around $1,000 a year and go up from there.

Once answer a few short questions with our team regarding property insurance, workers’ compensation, etc. you can have a comprehensive quote in 24 hours or less.  The process is not long and depends on how quickly we can have a conversation with you to get the necessary underwriting information.

The type of insurance you depends on your operation. At a bare minimum, most contracting businesses regardless of type of operation need General Liability to protect them from lawsuits stemming from work performed while on a job site and after completing the work, property insurance to cover your building (if you own it), contractors equipment, improvements and business income insurance; if you have employees, you will also need workers’ compensation.  We can guide you in the correct direction during our initial consult, which is free.

Believe it or not, getting a certificate is a breeze!  We have a member portal where you can log in and get your certificates in real time!  It takes you less time to enter the portal and request the certificate that it would for you to send an email with instructions on what you need.  That said, if your certificate requires special language or you aren’t sure of something the certificate holder is asking for, you can always contact us and we will issue it on our end immediately.  Getting a certificate is not something that should require you to wait for days on end.


(518) 960-6600
24 4th Street, Troy, NY 12180

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