Contractors Insurance

Most GCs won't let you on-site without a COI. RISKX writes contractor GL, workers comp, and tools coverage — and issues certificates in hours, not days.

Frequently Asked Questions

What insurance do independent contractors need?

Independent contractors typically need general liability insurance as a baseline, plus any coverage required by their trade — such as professional liability for consultants, commercial auto for…

Is contractor insurance required by law?

Requirements vary by state and trade. Most states require workers' compensation if you have employees. Many states require contractors to carry general liability as a condition of licensing. Even…

How do I get a Certificate of Insurance as a contractor?

Your insurance agent can issue a Certificate of Insurance (COI) on demand, usually within minutes. A COI summarizes your coverage types, limits, and effective dates. If your client requires…

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]