Insurance Coverage for Contractors
Covering what matters most to your contracting business.
Contractors face dynamic risks every day—on the job site, on the road, and in the office. We understand that when something happens with your team or your tools, the work doesn’t get done. MetzWood offers insurance built around the real-world needs of tradespeople and contracting businesses in New York.
Our experience means we know what coverage you need, like:
Frequently Asked Questions
What is contractor insurance & what does it cover?
Every contractor is different, and every plan is made to fit each business’s unique needs. The various coverage that makes up each plan will often be referred to as a Business Owners Policy (BOP) or a Commercial Package Policy.
Contractor insurance plans will generally cover damage to you or your client's property in the event of an accident. Additionally, you’ll be protected in the event of employee injury, tool or equipment damage, and theft, among other things.
Who needs contractor insurance?
Contractor coverage would be beneficial to tradespeople, including construction, carpentry, electrical, landscaping, HVAC, and masonry companies, among others.
What determines how much I pay for my plan?
There are many factors that will determine how much your plan costs, including your location, the size of your team, the equipment you use, the risk associated with your work, your insurance history, and more.
What do I need for a contractor insurance quote?
To get started, you’ll need to provide basic information such as your company’s information, the size of your team, the nature of your work, and your financials. After you submit an inquiry, an insurance representative will reach out to collect more information that will affect your coverage.
Ready to learn more? Fill out the contact form below, and we’ll be in touch to build you a comprehensive commercial insurance plan.