Log InAvailable Now: Commercial Business Insurance for Contractors
Nov 4, 2025
1 min read
Running a contracting business comes with unique risks and responsibilities. Whether you're a general contractor, a tradesperson or a subcontractor, having the right commercial business insurance is essential to protect your livelihood. Farm Bureau Financial Services now offers special business insurance tailored specifically for contractors and designed to safeguard your tools, team and operations.
Who Needs Contractors Insurance?
If you're a contractor, subcontractor, or tradesperson, chances are your clients or employers require you to carry liability insurance for contractors. This coverage helps protect your business from financial loss due to accidents, property damage, or legal claims. No matter your type of business, having small business insurance is a smart move.
Here are some trades that typically need commercial business insurance:
- General contractors
- Electricians
- Plumbers
- HVAC technicians
- Carpenters
- Painters
- Landscapers
- Masons
- Handymen
What Can Contractors Insurance Cover?
Insurance for contractors provides a foundation of protection for your business. It typically includes coverage for property damage, bodily injury, and legal defense costs. But it can also extend to your tools, vehicles, and employees.
Your Equipment, Tools and Vehicles
Your tools and vehicles are essential to your work. Commercial auto insurance for small business helps protect your work trucks, vans and trailers from accidents, theft and damage, ultimately keeping your operation running smoothly.
Medical Expenses and Legal Fees
Accidents happen. Liability insurance for contractors can cover medical payments for injured third parties and provide liability coverage for legal fees if you're sued due to a job-related incident.
Additional Business Insurance for Contractors
Beyond basic business insurance for contractors, you can add policies to further protect your business from common risks. These options help ensure you're covered no matter what challenges arise.
Workers’ Compensation
If you have employees, workers’ compensation is crucial. It covers medical expenses and lost wages if a worker is injured on the job.
Business Interruption Coverage
Unexpected events like fires or natural disasters can halt your operations. Business interruption coverage helps replace lost income and covers ongoing expenses during downtime.
Loss Control Services
Preventing accidents is just as important as covering them. Loss control services provide safety resources and risk management support to help you avoid costly incidents.
Benefits of Insuring Your Contractor Business with Farm Bureau
Choosing Farm Bureau means more than just getting a policy – it means gaining a partner. Our team understands the unique needs of contractors and offers solutions like BusinessMax® and SuperCheck® to ensure every part of your business is protected.
Customizable Coverage and Real Support
No two contractor businesses are alike. We offer customizable coverage options that fit your specific trade, size and risk profile. Our local agents provide real support and personalized service, helping you navigate your insurance needs with confidence and clarity.