Skip to content Accessibility info

Contractor Insurance

from Bill White Insurance Agency

Contractors Insurance in Missouri

Are you a contractor looking for an insurance quote in Springfield MO? We may be able to help with:

  • Commercial General Liability
  • Contractors Equipment – Inland Marine Coverage
  • Workers Compensation Coverage
  • Builders Risk – Installation Floater
  • Commercial Auto
  • License and Permit Bonds

Contracting Risks generally fall into one of two categories, Artisan Contractors or General Contractors.

Artisan Contractors

Artisan Contractors typically stick to a specific trade, like plumbing or electrical work, and retain their eligibility for insurance programs designed for artisan contractors, as long as they don’t subcontract more than 25% to 40% of their work to someone else.

General Contractors

General Contractors control the project. They may or may not have a crew performing specific trades, and rely primarily on subcontractors to complete a project. General Contractors may subcontract up to 100% of a project to other artisan contractors and act as a “paper contractor” providing project management and supervisory skills to the project.

We offer insurance programs for both Artisan Contractors and General Contractors.

Artisan and Trade contractors Insurance

We have preferred General Liability programs designed to meet the needs of small and mid-sized trade contractors. Our technology platform allows us to quote, issue and bind coverage quickly, and installment billing is usually always available. Prior coverage is preferred, but new ventures with experience in the trade are acceptable. Minimum General Liability premiums start at $500. We’re most competitive in the following trade classifications:

  • Awning Contractor
  • Boiler and Steam Contractor
  • Carpentry – Finish and Interior Trim
  • Carpentry – Framing
  • Ceilings or Wall Contractor
  • Concrete Contractor
  • Debris Removal Contractor
  • Drilling Contractor – Water
  • Drywall Contractor
  • Excavation Contractor
  • Electrical Contractor
  • Fencing Contractor
  • Floor Covering Contractor – Not Tile or Stone
  • Glazing Contractor
  • HVAC Contractor
  • Insulation Contractor
  • Landscaping Contractor
  • Lawn Care Services
  • Locksmiths
  • Low Voltage Systems Contractor
  • Masonry Contractor
  • Metal Erection – Decorative
  • Metal Products Contractor
  • Painting Contractor
  • Paperhanging Contractor
  • Refrigeration Contractor
  • Systems Contractor
  • Sheet Metal Contractor
  • Sign Contractor
  • Sign Installation – Non Electrical
  • Solar Contractor
  • Swimming Pool Maintenance
  • Tile and Stone Installation Contractor
  • Vacuum Systems Contractor
  • Water Conditioning Contractor

General Contractors Insurance Programs

We offer insurance programs for General Contractors doing residential and commercial work, including risks that jump back and forth between the two. General Contractors with up to 100% subcontracted work are acceptable. Remodeling contractors who make structural additions to existing structures are acceptable as well. Minimum General Liability premiums for the General Contractor program start at $1,250.