Contractor coverage that connects to the whole operation.
Liability, people, vehicles, property, projects and specialized exposures call for different policies—and a coordinated review.
Build from the exposures outward.
Use these pages to understand what each policy is designed to address, where limitations may appear and what information helps the quote.
General liability
A foundation for many contractor insurance programs, focused on covered third-party bodily injury, property damage and related allegations.
Explore coverage → Contractor coverageWorkers’ compensation
Coverage for work-related employee injuries and employer obligations, with Virginia-specific rules that deserve careful review.
Explore coverage → Contractor coverageCommercial auto
Coverage planning for contractor-owned work trucks, vans, pickups, trailers and other road vehicles.
Explore coverage → Contractor coverageTools and equipment
Property coverage designed around tools and mobile equipment that travel, sit at jobsites or move between storage locations.
Explore coverage → Contractor coverageContractor inland marine
Flexible property coverage for contractor equipment, tools, materials and other property that moves away from a fixed location.
Explore coverage → Contractor coverageBuilders risk
Project property coverage for buildings or structures while construction, renovation or installation is underway.
Explore coverage → Contractor coverageInstallation floater
Coverage for materials, supplies and equipment awaiting or undergoing installation at a jobsite.
Explore coverage → Contractor coverageProfessional liability
Coverage discussions for design, consulting, engineering coordination, programming and other professional services contractors may perform.
Explore coverage → Contractor coveragePollution liability
Coverage for pollution conditions arising from contracting work—an important discussion for far more trades than environmental contractors alone.
Explore coverage → Contractor coverageCommercial umbrella
Additional liability limits over scheduled underlying policies for contractors with larger projects, vehicle fleets or contractual limit requirements.
Explore coverage → Contractor coverageProperty and BOP
Insurance for a contractor’s office, shop, contents and eligible business operations, sometimes coordinated in a business owners policy.
Explore coverage → Contractor coverageHired and non-owned auto
Liability protection to discuss when a contractor rents vehicles or employees use personal vehicles for business errands.
Explore coverage → Contractor coverageEmployment practices liability
Coverage for certain allegations involving hiring, termination, discrimination, harassment and other employment practices.
Explore coverage → Contractor coverageSurety bonds
License, bid, performance, payment and other bonds contractors may need—distinct from insurance coverage.
Explore coverage →What happens when one loss touches more than one policy?
A serious vehicle accident may involve commercial auto and umbrella. Stolen tools inside the vehicle may involve inland marine. A design allegation can involve professional liability, while a release can involve pollution coverage.
One agency relationship can help keep the same operations, vehicles, employees, equipment and project requirements visible across the program.
- Named insureds and ownership
- Operations and classifications
- Limits and umbrella schedules
- Vehicles, equipment and locations
- Contract endorsements
- Policy dates and claims reporting
Different coverage for different questions.
This table is only a high-level starting point; policy wording controls.
| Question | Coverage to discuss | Important note |
|---|---|---|
| A third party alleges injury or property damage | General liability | Exclusions, completed work and the facts matter. |
| An employee is hurt doing the job | Workers’ compensation | Virginia requirements and classifications apply. |
| A work truck is in an accident | Commercial auto | Vehicles, drivers and use must be described. |
| Tools are stolen from a work vehicle | Tools/equipment or inland marine | Auto coverage generally is not tool coverage. |
| A contractor causes a pollution condition | Contractors pollution liability | General liability may restrict pollution claims. |
| A design or professional error is alleged | Contractor professional liability | Professional services and reporting terms matter. |
Match the policy to the exposure.
No one policy name tells you the whole answer.
Usually no. Contractor programs often combine liability, workers’ compensation, auto, property or inland marine and specialty coverage. Package policies can coordinate some parts, but each coverage has its own terms.
Generally, tools and vehicles require separate property or inland-marine and commercial-auto discussions. General liability is not first-party property coverage for your own tools or vehicle.
Discuss pollution when work can cause or disturb pollutants such as fuels, chemicals, refrigerants, dust, mold, lead, asbestos, runoff or contaminated soil. Discuss professional liability when design, consulting, programming or technical advice is part of the service.
Yes. Insurance and surety are different, but Ford Agency can help organize contractor insurance and route license or contract bond needs to the appropriate surety process.
Bring the whole program into one conversation.
Tell us what work you perform, who works for you, what you drive and own, and what your contracts require. We’ll help organize the information and explore appropriate options.