25 years in insurance. 15 with small business.
Contractor insurance rarely stays the same for long. Crews change, jobs change, equipment gets added, and what a GC requires on one project is different from the next.
Most contractors don't think their insurance is wrong — it just hasn't kept up. Certificates get requested more often. Audits get more complicated. And nobody's clearly responsible for keeping the whole picture organized as the business grows.
I stay involved as things change — not just at renewal.
I'm a principal at Page Insurance — an independent agency with access to multiple carriers. I'm not locked into one insurance company. I focus on contractors and restaurant operators, and I handle both your commercial and personal coverage because for a business owner, they're connected.
What I actually know about contractors
Your personal and business coverage are connected
Most agents treat your commercial and personal insurance like separate planets. If you own a contracting business, your personal liability, umbrella, and auto all interact with your commercial coverage. I handle both because they need to be coordinated — not siloed with two different agents who never talk to each other.
Certificates don't have to be a headache
GCs ask for certificates constantly, and most contractors don't fully understand what they're agreeing to when they add someone as additional insured. I handle certificates daily — they typically go out the same day — and I make sure you're not accidentally giving away more coverage than the job requires.
Audits are my problem, not yours
I work with your bookkeeper to get payroll and sub records right before the audit. That means no surprise bills after the fact. If it makes sense for your situation, I can set up pay-as-you-go workers comp so your premium adjusts with actual payroll throughout the year — no big audit adjustment at the end.
I know what carriers work for contractors
Not every carrier writes contractor business well. I know which ones price it fairly, which ones have appetite for your trade, and which ones to avoid. I match the carrier to the contractor — not the other way around.
Whether you're new or established
Just getting started?
New contractors usually have the same questions: What insurance do I actually need? Why does everyone keep asking for certificates? What's required and what isn't? I make this simple and help you get the right coverage from day one without overpaying. I put together a plain-English guide that covers everything — check it out below.
Running crews and growing?
As jobs get bigger and you're managing subs, equipment, vehicles, and compliance across projects — insurance gets complicated fast. I keep everything coordinated so you can focus on the work.
Contractor Insurance 101 — A Plain-English Guide
Everything a contractor needs to know about insurance — what's required, how certificates work, what audits are, and where things commonly go wrong. Written for contractors, not insurance agents.
Read the guide →I care about keeping costs down — I'm a business owner too. But the cheapest quote usually means stripped coverage, and that's expensive when something goes wrong.
The best programs go to contractors who are stable, well-managed, and have clean claims history. I can help you qualify for those.