Contractor insurance.
Built for how you actually work.

GL, workers comp, certificates, audit prep — coordinated by someone who understands the business.

Get in touch

If I'm not the right fit for your business, I'll tell you — and I'll point you to someone who is.

The two kinds of contractors

[Infographic #5 — Napkin AI: The Hard Way vs The Smart Way. Two columns comparing behaviors. Bottom bar: your time is worth more per hour than a bookkeeper costs.]
Ben: generate this in Napkin AI using the text input from the Roadmap row.

You can be a bookkeeper-admin or you can run a business. You can't do both. Every hour you're being the bookkeeper is an hour you're not making real money — plus the penalties and overpayments you rack up learning as you go.

The 5 claims that put contractors out of business

[Infographic #6 — Napkin AI: 5 claim types with gaps in rust and fixes in cream. Completed operations, installation floater, non-owned auto, missing sub COIs, year-one GL gaps.]
Ben: generate this in Napkin AI using the text input from the Roadmap row.

Your GL covers this. Not this. Not this. Not this. Your last agent didn't explain why.

I have access to programs most agents don't — up to 40% in credits for contractors who've been in business 2+ years with clean claims history. If that's you, I can almost always save you money.

I match the carrier to the contractor — not the other way around. Most agents treat your commercial and personal insurance like separate planets. I handle both because they need to be coordinated — not siloed with two different agents who never talk to each other.

Ben's Take

The audit isn't a paperwork event. It's a year-round exercise you should prepare for in quarterly chunks. Most contractors don't hear from their agent until the auditor is already on the schedule. By then it's too late to fix payroll classification — or to collect the subcontractor certificates you should have been collecting all year. Missing certificates at audit can cost a contractor tens of thousands of dollars.

Just getting started?

Year one is when you build insurance habits. I have programs designed for new contractors.

Contractors getting started →

Cover the big stuff first

Same premium. Completely different risk posture.

Read more →

One person for the whole picture

Personal + commercial + life coordinated under one agent.

Read more →

Q&A

My GL policy says I'm covered. For what, exactly?
General liability covers bodily injury and property damage on jobsites. It does not cover completed operations callbacks, your tools on-site, employee injuries, or professional errors. Each of those is a separate coverage.
What's a certificate of insurance, and why does every GC ask for one?
A certificate proves you carry the coverage the GC's contract requires. It's standard — your agent should handle same-day.
What does "additional insured" actually mean — and should I give it?
It extends your liability coverage to the party requesting it for work you do on their behalf. Standard on most commercial jobs. Don't give away more coverage than the job requires.
What's a waiver of subrogation, and why do my subs hate signing them?
It prevents your insurance company from going after the other party to recover what they paid. Subs dislike it because it limits their carrier's recovery options. It's a normal contract requirement on most commercial jobs.
Why did my audit premium jump so much?
Audits reconcile estimated vs actual payroll. If you paid subs who didn't carry their own coverage, the auditor classifies them as your employees. That reclassification is where the big surprises come from.
Can I exclude myself from workers comp? What about my business partner?
Owner/officer exclusions vary by state and entity type. In many cases you can exclude yourself. Partners and additional officers have different rules. Get it wrong and you're paying premium on people who don't need coverage.
My subs are supposed to have their own insurance. What if they don't?
If subs don't have coverage and you paid them, the auditor classifies them as your employees. Collect every sub's certificate of insurance before issuing the first check. Assign your bookkeeper to this.
What's "completed operations" and why does it matter after the job is done?
Completed operations covers claims arising from work you've already finished. A bathroom remodel 8 months ago starts leaking — mold — $180K claim. Without completed operations coverage, that's your personal bankruptcy.
208-557-8860 Most conversations start with a text.
Text me
Scan to text Ben
Scan to text from your phone