100% Dedicated to Providing Insurance that fits Contractor Needs!
Contractor Insurance made simple
Insurance for your trade
If you are a roofer, GC, or plumber, your risks and contract requirements are different. Your insurance should match the work you actually do.
Policies we place for contractors
Policy needs vary by contract, project type, and carrier underwriting. We will confirm what is required before you bind coverage.
Get compliant fast
What we help with:
Certificate of Insurance (COI)
Proof of coverage details for a job or vendor packet. It is not the endorsement itself.
Additional Insured (AI)
Adds the GC/owner as an additional insured by endorsement when required.
Primary and Noncontributory (PNC)
Often requested so the GC/owner’s policy does not respond first.
Waiver of Subrogation (WOS)
Limits the insurer’s ability to pursue recovery against certain parties, when endorsed.
Need a COI today? If you have a bid deadline, tell us in Step 1 of the quote form. When we have complete info, we can often turn COIs and common endorsements quickly, but timing depends on carrier rules and the exact wording needed.
Fast Quote Checklist
The fastest quotes come from accurate basics. You do not need perfect paperwork, but you do need clear job details.
What we typically need to start:
- Trade: roofing contractor, general contractor, or plumbing contractor
- State and metro (where you are working)
- Years in business and brief job types (service, new build, commercial, residential)
- Revenue range and payroll range
- Subcontractor use (rough percent and what trades)
- Claims history (if any)
- Current coverage (if you have it) and renewal or effective date
- Vehicles (owned, hired, non-owned exposure) if applicable
- Any bid packet requirements (AI, PNC, WOS, specific limits)
How It Works
Simple process. Clear expectations. No gimmicks.
- Tell us what you do
Trade, job types, and where you are working. - We shop carriers and structure coverage
We place coverage through multiple carriers and align the policy to your trade realities and compliance needs. - We help you stay compliant
COIs, endorsements, and policy docs routed with a “move fast” workflow, especially when bids are on the line.
About Pascal Burke
Pascal Henry Burke III transitioned from a 1970s architect’s apprentice to owning a concrete company in Los Angeles. Frustrated by insurance agents who didn’t understand the job site, he founded ContractorsInsured in 2017 to bridge that gap.
As a specialized risk consultant rather than a typical salesman, Pascal leverages his “ground up” construction experience to advocate for his peers. Because he is a fiercely independent broker, he isn’t tied to any single carrier. Instead, he shops the market to find the best value, saving clients an average of 10% to 40% on premiums.
ContractorsInsured is a 5-star rated agency built for hardworking contractors who want a partner they can finally trust.
FAQs
How fast can I get a contractor insurance quote?
Often the same day once we have your basics. Complex operations or unusual requirements can take longer depending on carrier underwriting.
Can you help if my GC needs Additional Insured and Primary & Noncontributory?
Yes. We will confirm what is needed and request the correct endorsements when applicable.
Is a COI the same as an endorsement?
No. A COI is a summary document. Many requirements (like Additional Insured) must be backed by an endorsement.
Do you only work with roofing, general contractors, and plumbing contractors?
Those are the initial focus trades, but we can advise whether your operation fits our carrier options.
What policies do most contractors start with?
General liability, workers’ comp when applicable, and commercial auto if you have business vehicles or exposure.
Do you provide workers’ comp “ghost policies”?
We can discuss them where applicable, including risks and limitations. Requirements vary by contract and state, and you should get licensed guidance before relying on one.
What affects contractor insurance pricing the most?
Job types, payroll, revenue, claims, subcontractor use, vehicles, and how your work is classified by carriers.
What information helps you issue COIs faster?
Certificate holder details, job name/address, required limits, and the exact endorsements requested (AI, PNC, WOS).
Do you guarantee approval or the lowest price?
No. We focus on fit and compliance. Carrier decisions and pricing depend on underwriting.
What they’re saying about us
Starting out on my own was confusing enough without trying to figure out the workers comp side of things. I was not sure if I needed a ghost policy or what the requirements were for my trade in California. They walked me through the pros and cons and got me compliant so I could finally bid on bigger jobs.
I had been with the same carrier for five years and my rates just kept creeping up every single renewal. I gave Contractors Insured a shot and they actually shopped around for me. I ended up with better coverage for my general liability and my trucks for less than I was paying before. No gimmicks or sales talk, just straight answers.
Getting insurance sorted for big commercial plumbing jobs used to be a headache because of the specific wording GCs demand. These guys handled the Additional Insured and Waiver of Subrogation stuff without me having to explain it three times. It is a real relief to finally work with a broker who actually knows how these contracts work.
I had a crew sitting in a truck in Dallas just waiting on a certificate to get onto a job site. I called these guys and they didn't mess around. I had the paperwork in my inbox before my coffee even got cold. If you are a roofer and need someone who actually moves as fast as you do, this is the place to go.