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Miguel's Story

Insurance for Everyone

For 10 years Miguel had found success as a freelance electrician. All was well until 2017, when Miguel suffered an injury while on a job. What he found most shocking, however, was how little his current contractor insurance covered. Miguel knew something needed to change.

Insurance Maestro was able to find Miguel the coverage best suited to his occupation. After a month of rehab, Miguel is back on his feet. He has been able to give all his attention to his work, knowing in the back of his head that when it comes to his insurance coverage, he won’t be shocked.

A Quick Guide to Contractor Insurance

At Insurance Maestro, we understand you want to find the best Contractor Insurance possible. It needs to strike the right  balance between affordable and comprehensive. Our friendly team of insurance experts are here to support you, and we’re always happy to answer any questions you might have.

Frequently Asked Questions
about Contractor Insurance

Do contractors need to buy general liability coverage?

Mostly, yes. Commercial general liability insurance is designed to protect against third-party claims; and it’s why this is such a common question from contractors who work from a home-based office. If you visit a client or they visit you, there are still opportunities for accidents to occur; plus, if you were to accidentally damage property belonging to a client, then you’re liable for the costs; General Liability insurance will cover you for this. 

That said, if you work from home, you don’t visit clients and they don’t visit you, and you do not have any expensive equipment that you keep at home; you might not need to buy this.

What liabilities should a contractor insurance themselves against?

We usually find that the risks one contractor faces could be vastly different to another. However, it is very similar to those a business would deal with. For instance, if you are a consultant who offers advice or guidance as part of your service, then you will still need to buy professional liability insurance. If you make or sell any goods, then you will still need to buy product liability insurance. If you visit clients in their homes, then you will still need to buy general liability insurance. 

If you want to know the best type of liability coverage for your work as a contractor, speak with a member of our team today. We can help you unravel the world of 1099 insurance choices and make it easy for you to know what you do and do not need.

If I use subcontractors, do I ned to buy insurance for them?

Different people approach this in their own way. If a sub-contractor’s actions result in a legal action against you, then you will find yourself liable for any costs. However, rather than adding each sub-contractor to your policy as you use it, which is neither time or cost-effective, you can simply request that any sub-contractors you work with buy and provide proof of their own liability insurance.

Do any insurers offer discounts for contractor insurance?

Many insurance companies change their offers and discounts on a regular basis. As we work with a number of the leading insurance providers for contractors, we can quickly and easily help you access the best quotes for your needs. A great way to get a discount on your contractor’s insurance is by purchasing multiple policies from the same provider. We can help you with this as our team are always up to date with what each insurer is offering in any given month.

We're Here For You

At Insurance Maestro, we want to help you find the best Contractor Insurance for your company’s needs. If you contact us directly, our team of experts will be happy to offer guidance about the different types of coverage you might need to buy. 

Thinking about Contractor Insurance?

Read this first.


At Insurance Maestro, we know that being a contractor requires specialist insurance that accounts for the individual risks and factors you’re exposed to when at work. Contractors exist in almost every sector, and the need to find the right coverage to protect you and your assets is key. We understand you’re busy, and our team are here to make sure the process of buying 1099 insurance quick and easy. This means you can get back to work, knowing that we’ve got you covered.

Quick Guide to Buying Contractor’s Insurance

Whether you’re a consultant or a carpenter, you need the right contractor’s insurance in place to cover your actions and your assets. While you are indeed running a small business, you have slightly different insurance needs to those of a brick-and-mortar company; and we can help you work out what’s best for your unique needs.  

What insurance does a contractor need to buy?

Here is a quick summary of the different types of contractor insurance you can buy.

Professional Liability Insurance
Not everyone needs this, but if you offer consultative or advisory services, then this exposes you to certain liabilities that you should insure against. Architects, Stylists, Interior Designers, Freelancer Hair and Beauty Contractors, Business Advisors, Accountants; all of these are examples of contractors who need to buy PLI, or E&O as it is sometimes known.

General Liability Insurance
This insurance is for your third-party liabilities; which cover advertising injury, personal injury, and damage to property. You don’t need a public office for this to be relevant; so, if you visit clients onsite or they visit you; it’s important to have some form of third-party liability insurance. Without it, you could end up becoming personally liable for any lawsuits and legal expenses. 

Product Liability Insurance
If you’re a contractor who makes, distributes, or sells products of any type, then you need to consider this coverage. While many believe it’s only the manufacturers that can be found liable when products cause damage to property or injure people; if you are part of that sales cycle, you could face legal action if something goes wrong. 

Auto Insurance for Contractors
If you use a vehicle for work, you carry tools, transport people or goods; then you’ll need to buy this. There are different levels of coverage and plenty of endorsements you can add-on to make sure you have sufficiently tailored coverage for your needs.

Disability/Health/Dental Coverage
As a contractor, it’s fairly common for you not to have or belong to any type of health insurance plan. As such, you need to choose a suitable type of coverage for yours, and potentially your family’s needs. 

Coverage for Equipment
If you use any type of equipment for the work you do, then consider buying equipment breakdown insurance. If you could manage without this equipment while it’s being repaired, and it would have little to no impact on your clients, then this might not be required. However, if you can’t, then it’s a good idea to get it. 

Surety Bonds
You might already be familiar with these as they’re often used for contractor work. There are four key types, these are:  Big Bonds, Contractor License Bonds, Performance Bonds, and Payment Bonds. 

Data Breach Insurance
As a contractor, you may capture, store, and process data in the same way as a regular business. As such, it’s important to ensure that you have coverage in place in case any of this data becomes compromised. 

Here, we’ve given you a top-level overview only, if you’re trying to work out which contractor’s insurance you do and do not need; get in touch with our team and we’ll help you figure it all out.

Got a question? We’ve got answers.

Our team of Contractor Insurance experts will be happy to discuss your unique needs. Contact us today, and we’ll work through the options for you, leaving you free to focus your attention back on your business. 

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