Contractors Insurance Coverage

As a contractor, each job you win brings in extra money but it also brings extra risk. An accident could cause injuries or damage to property leading to a financial loss that can potentially overwhelm your business with financial liabilities.

The same contractors insurance you used to protect you for a one-man project may not protect you during a multi-year commercial deal.

Because every business is different, commercial insurance solutions for Massachusetts contractors can range from a basic policy to a thorough mix of coverages that vary from job to job.

The type of contracting business you own, size, number of employees and type of work all have an impact on the types of protection you may need.

Kovalev Insurance understands the fact that you need to stay focused on the work and not the risks you face every day. We work with the best carriers of commercial insurance solutions that can help you meet the needs of your business and put your mind at ease.

Even when the job is finished, there is plenty more work to be done. You may have connected the final fixtures, flipped the switch and handed over the keys, but the potential liability from your work goes on.

Kovalev Insurance keeps protecting you from any accidents or faults that may allegedly result from work you’ve overseen or performed. In the trades, you need a solid contractors insurance policy that keeps working to protect you long after you have moved to the next job site.

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What does contractors insurance cover?

The list of coverage areas that need to be addressed in your contractors insurance can include:

  • General Liability covering claims for property damage or bodily injury that are caused in the course of your work
  • Workers Compensation can replace lost wages, pay medical treatment, as well as protect your business assets should an employee suffer injury
  • Trucks and other commercial vehicles to pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own vehicle while on company time
  • Professional Liability covering any claims for negligence or other mistakes resulting in a loss to the customer during business activities
  • Builders Risk Insurance covering the loss to a building while it is still under construction
  • Property in transit covering equipment, and losses to goods stored (on or off your premises) or being transported to or from your premises
  • Contractors Tools & Equipment covering your tools and equipment on- and off-site from damage and theft
  • And much more!

We provide insurance for all types of contractors insurance including but not limited to:

  • General Contractor Insurance
  • Carpenter Insurance
  • Plumber Insurance
  • Handyman Insurance
  • Electrician Insurance
  • Masonry Insurance
  • Home Builder Insurance
  • Developer Insurance
  • Renovation Insurance
  • Welding Insurance
  • Artisan Contractors Insurance
  • Many more

At Kovalev Insurance, we perform a full review of your exposures to provide a comprehensive insurance program for a fair and competitive rate. Our market knowledge and access to many insurance companies enables us to offer some of the most affordable protection available, so you can easily manage your insurance costs.

Contact Kovalev Insurance today and request a complimentary consultation to ensure your property and business are properly protected.


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