We shop multiple carriers for roofers, general contractors, and plumbers, then turn around certificates and the endorsements GCs require, often the same day you bind.
An independent insurance brokerage for California and Texas contractors. We place general liability, workers' compensation, and commercial auto through multiple carriers, then issue COIs and the Additional Insured, Primary & Noncontributory, and Waiver of Subrogation endorsements GCs require, so you can win bids and start jobs without paperwork delays.
ContractorsInsured.net is an insurance broker built for contractors. We help roofing, general, and plumbing contractors get the coverage they need and meet bid requirements with COIs and the common endorsements GCs ask for.
We place contractor policies like general liability, workers' comp (including ghost where appropriate), and commercial auto through multiple carriers. Start with a fast quote checklist, and tell us if your job is deadline-driven.
Your risks and your contract requirements change by trade. Your policy should too.
Heights, tear-offs, hot work, and sub crews move underwriting fast. We structure coverage so you can bid, pull permits, and keep jobs moving.
Roofing insurance →Risk transfer, certificate tracking, and project requirements across subs. We keep you compliant with additional insured and related endorsements.
GC insurance →Water damage, service work, and new-build exposures are priced differently. We help you avoid the gaps that show up when you need a COI yesterday.
Plumbing insurance →Most contractors start with a core stack, then add coverage based on vehicles, tools, and contract language.
The bid-packet baseline. Third-party bodily injury and property damage on the job.
For crews and payroll, including ghost policies where appropriate.
Owned, hired, and non-owned vehicle exposure for work trucks.
Bid, performance, and payment bonds with fast turnaround.
Inland marine for the gear you move between jobsites.
Higher limits when a GC or owner requires them on the bid.
There is no flat price for contractor insurance. These are the factors carriers actually rate on, and the levers we work to get you a fair number.
Roofing and height work price higher than light service work.
The base most carriers rate general liability and workers' comp from.
A longer track record generally lowers your risk profile.
Past losses follow you into renewal pricing.
$1M / $2M versus higher limits and added endorsements move the premium.
How much you sub out, and whether your subs carry their own coverage.
Owned, hired, and non-owned autos for commercial auto.
Your workers' comp loss history measured against peers.
California and dense metros tend to run higher than rural areas.
Many "insurance problems" are really compliance problems. The fastest path is clean information and the right endorsement request.
Proof of coverage for the GC, owner, or project portal.
Extends your policy to cover the party requiring it on the bid.
Sets your policy to respond first, the way contracts demand.
Waives your carrier's right to recover from the named party.
You do not need perfect paperwork, but you do need clear job details. Here is what we typically use to start.
Clean information in, certificate out. We work the deadline with you instead of leaving you to chase the carrier.
Trade, job types, and where you are working. Flag a bid deadline in step one.
Independent, so we shop the market and match the policy to your trade realities.
COIs and AI/PNC/WOS endorsements routed with a move-fast workflow.
Pascal Burke went from an architect's apprentice to running a concrete company in Los Angeles. Frustrated by agents who did not understand the jobsite, he founded ContractorsInsured in 2017 to close that gap.
As an independent broker, he is not tied to one carrier. He shops the market to match coverage to the work, and reads a bid packet the way a GC does.
Pascal Burke · Licensed broker · CA #6015321 · TX #3305690
"I had a crew sitting in a truck in Dallas waiting on a certificate. I called these guys and the paperwork was in my inbox before my coffee got cold."
"Starting out, I was not sure if I needed a ghost policy or what my trade required in California. They walked me through it and got me compliant so I could bid bigger jobs."
