Contractor Insurance
General liability, disability income, and life insurance guides for self-employed contractors and tradespeople.
General Liability Insurance for Contractors: What It Covers and What It Doesn't (2024)
Without GL coverage, one accident can bankrupt your contracting business. Real 2024 costs, coverage limits explained, and the exclusions that leave most contractors dangerously exposed.
Life Insurance for Self-Employed Contractors: Building Your Own Safety Net
Without employer benefits, self-employed contractors face unique financial vulnerabilities. How to build adequate life and disability coverage on a variable income with real 2024 costs.
Disability Insurance for Contractors: What Happens to Your Income If You Can't Work?
A job site injury can eliminate your income overnight. We compare disability insurance options for independent contractors with no employer benefits.
Insurance for Roofers, Electricians & Plumbers: What High-Risk Trades Actually Need
High-risk trades need specialized coverage that generic policies miss. We break down exactly what roofers, electricians, and plumbers need �?with real 2024 premium examples by trade.
Workers' Comp vs. Disability Insurance for Contractors: Critical Differences Explained
Many contractors confuse workers' comp with personal disability insurance and end up with dangerous coverage gaps. Here's exactly how each works and what you actually need.
How to Get the Cheapest Contractor Liability Insurance Without Cutting Corners
Bundling policies, adjusting deductibles, improving your safety record, and shopping every 2 years can cut premiums 20-40%. Every legitimate strategy explained.