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Best business insurance for a contracting business (2026)

Ranked for a new contracting business: our score plus what matters in your trade.

What matters for a contracting business

  • General contractors and homeowners will ask for your insurance certificate first. Get covered before your first job.
  1. 1NEXT Insurance 8.4 New owners wanting fast online coverage from one insurerSpanish help · phone support · 4.6/5 user rating ReviewVisit
  2. 2Insureon 7.4 Owners comparing carriers who want a licensed agent's helpSpanish help · phone support · 4.6/5 user rating ReviewVisit
  3. 3Thimble 7.3 Gig and project workers needing coverage per jobphone support · 4.5/5 user rating ReviewVisit
  4. 4Simply Business 6.7 Solo owners comparing basic liability quotes onlinephone support ReviewVisit
  5. 5Hiscox 5.8 Consultants and professionals needing professional liability coverageSpanish help · phone support ReviewVisit

What insurance costs a contracting business

CoverageMedian per month
General liability$83
Business owner's policy (BOP)$115
Workers' compensation$160
Commercial auto$270
Tools and equipment$42

Source: Insureon, Aug 2026. Your price depends on your work, location and history.

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Your state's rules

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Ranked by our score (same formula for every tool), with a bonus for tools built for your trade. How we rate