Contractor insurance, placed across 5 carriers.
WC, GL, builders risk, and tools coverage for GCs, subs, and trades. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
- 01
Save up to 60% on broker commissions. We shop your risk across the carriers actually competing for contractor work in your trade and region.
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NAICS 23x classes priced on real exposure: payroll by class code, subcontractor liability, project size profile.
- 03
Insta-COIs through the portal — no waiting on a broker to fax the certificate before your next job.
Carriers we shop in Contractors
Coverage
What we quote in Contractors
General Liability
Per-occurrence + aggregate limits sized to your project pipeline. Products-completed ops included.
Workers Compensation
Class codes split correctly between trades. Ex-mod factor reviewed before quote.
Builders Risk
Course-of-construction coverage on jobsite materials and work-in-progress.
Tools and Equipment
Owned, leased, and rented tools — scheduled or blanket — with theft and breakage.
Hired & Non-Owned Auto
Liability when crew vehicles or rented trucks are used for the job.
Subcontractor Default
Coverage when a subcontractor walks off and you have to finish the work yourself.
Frequently Asked
Contractors insurance questions, answered.
What does contractor insurance typically cost?
Premium depends on trade, payroll, gross receipts, state, ex-mod factor, project size, and how much work you sub out. A residential framing crew prices very differently than a mechanical sub on commercial jobs. Final cost is subject to underwriting, prior loss history, and carrier appetite for your class.
What additional-insured language do most GC contracts require?
Most GCs ask for the GC and the owner as additional insureds on a primary and non-contributory basis with waiver of subrogation, often with completed-operations extension. CG 20 10 covers ongoing operations; CG 20 37 covers completed operations — many GC subcontracts require both. Blanket additional-insured endorsements satisfy most contracts; specific endorsements are issued when a holder demands per-project wording.
Do my subs need their own coverage?
Yes. If a sub does not carry their own GL and WC, your carrier will treat their payroll and exposure as yours at audit and charge premium accordingly — often a large surprise bill. Collecting and tracking certificates from every sub is part of the service we run through the portal, not something you have to chase manually.
What policies does a contractor need?
A typical contractor program includes General Liability with products-completed operations, Workers Compensation, Builders Risk on active projects, Tools and Equipment, Hired and Non-Owned Auto, and Subcontractor Default if you run multi-sub jobs. Limits should be sized to the largest contract value you take on, not your average job.
How fast can I get a Certificate of Insurance for a new job?
Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone — never wait on a fax to start a job. Custom holder language (additional insured, primary and non-contributory, waiver of subrogation, completed-ops AI) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.
Do you handle the WC audit?
Yes. We pre-stage payroll documentation and subcontractor certificates ahead of the audit window so the auditor finds clean records rather than estimates. The most common contractor audit surprise — paying premium on uncovered subs — is what we are trying to prevent up front.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work
Same conversation across every channel.
Contractors insurance guides
From the brokers who place the class
Builders risk insurance: how course-of-construction coverage actually works
What builders risk insurance covers on a construction project, the exclusions that surprise contractors, who buys it, and what drives the quote.
Read the guide →General liability insurance for contractors: coverage, additional insureds, and the wording that gets you on site
What general liability insurance for contractors covers: completed operations, additional insured forms, and the exclusions that gut contractor policies.
Read the guide →Contractor insurance: the policies, the requirements, and how a working program fits together
What contractor insurance includes — GL, workers comp, auto, tools, umbrella — who requires each policy, and how trade and payroll shape the program.
Read the guide →Construction insurance: how coverage attaches to projects, contracts, and companies
How construction insurance works at the project level: builders risk, OCIP and CCIP wrap-ups, contract flow-downs, equipment floaters, and fleet auto.
Read the guide →