Contractors working nationwide
The eight coverages, with a note on which ones have to be written state by state.
Third party injury and property damage caused by your operations.
Medical care and lost wages for your own injured employees.
Vehicles used in the business, including owned, hired and non owned.
Your tools and equipment against theft, damage and loss.
The project under construction, plus materials on site.
A guarantee of performance or payment, not a transfer of risk.
Extra limits above your underlying policies once those are used up.
Claims from design work and advice, which general liability excludes.
List the states where you have work, then check three things for each: the licence requirement, the workers compensation rule and the insurance minimum. A state by state list is the only reliable way to see the gaps.
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Tell us your trade, payroll and the states you work in. A licensed specialist will come back with real numbers.
