General Contractor Insurance

General contractors carry the risk for the entire job — their crew, their subs, the schedule, and the finished building. Owners and lenders demand proof of coverage before the first permit, and every sub you hire has to be tracked. ProRisk builds GC programs that pair the liability, bond, and builder’s risk on one application across AZ, CA, NV, and TX.

Coverage for General Contractors

General Liability ($1M / $2M, higher for large projects)
Workers’ Compensation
Commercial Auto
Builder’s Risk / Course of Construction
Surety & License Bonds (CSLB, AZ ROC, NV NSCB, TX)
Umbrella / Excess Liability

Top Risks We Cover

Subcontractor claimsJobsite injuriesConstruction defectProject delays

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Our streamlined process makes getting business insurance fast, easy, and affordable

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01

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02

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03

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FAQs

Do general contractors need their subcontractors to carry insurance?

Yes. Require a Certificate of Insurance and additional-insured status from every sub before they start. Uninsured subs can be counted against your workers comp and GL at audit, raising your premium.

What liability limits do general contractors need?

Most projects require $1M per occurrence / $2M aggregate general liability. Larger commercial or public jobs often require a $5M+ umbrella on top.

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