GC request
Your project mix
Endorsement
Your protection
Certificate of insurance
Your total cost
Know what is behind the price.
The lowest monthly number does not tell you which projects are covered. Compare the protection, the payment terms and the details that can change your final premium.
Price the business you actually run- Compare exclusions alongside limits
- Know what an audit can change
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
How much does general contractor insurance cost?
There is no single price for every general contractor. The total depends on the policies, projects, location, payroll or receipts, subcontractor costs, claims and coverage terms. A published GL average is not a price for your entire insurance program. Ask for a quote based on your actual work and compare the full-term cost alongside exclusions, deductibles and audit conditions.
See the GC coverage options→Markets we place through.
Different policies. Different price inputs.
Understand what the carrier is pricing before comparing the total.
Preparation
Your next quote
General liability
Project types, receipts or payroll, subcontractor use, limits and exclusions can affect the quote. Include work you hire others to perform.
Workers’ compensation
Actual duties, payroll, state rules and loss history matter. Audits can adjust the initial estimate and consider subcontractor records.
Vehicles and equipment
Vehicles, drivers and use shape auto pricing. Equipment values, storage, transport and theft conditions are a separate comparison.
Project-specific protection
Builders risk, umbrella, bonding or other requirements may sit outside the everyday policies. Identify who arranges them before signing the project contract.
- Get a quote
Same limit does not mean same protection.
Use this checklist when two quotes look similar.
A price for your business. Not someone else’s.
A one-person remodeler and a GC running several builds need different quotes. Here is what helps us find the right fit.
Residential, commercial, structural work and occupied renovations can raise different coverage questions. Include what you subcontract as well as what you perform.
Payroll, receipts and subcontractor costs may affect rating and audits. Keep records of duties, payments and subcontractor insurance.
Your largest jobs, states and construction methods help carriers assess the work. A familiar project size can still carry a new kind of risk.
Limits, deductibles, exclusions and required endorsements change the comparison. Check the full-term cost, not only the monthly payment.
Bring accurate loss information and documented improvements. We help explain the business; the carrier decides the terms it can offer.
Riza’s read
Put the comparison in our hands. Keep the choice in yours.
Bring your current policy and the work you want to take on next. We help explain available options, the terms behind each price and any requirements that need to be resolved.
A lower premium can be useful. So can broader protection for the jobs you actually do. We do not promise savings or a particular carrier’s acceptance; we help you see the tradeoffs before choosing.
You can start before every document is ready.
Tell us about the business. We’ll explain what is needed to complete the quote.
Plain answers before the next job.
GC insurance cost questions, answered plainly.
How much should I budget for general contractor insurance?
Start with the policies your business and contracts need, then ask for the full-term cost and payment schedule. General liability alone does not include workers’ comp, vehicles or project property. Share your project types, payroll, subcontractor costs and required limits so the quote reflects your work. Allow for deposits, fees and any premium adjustments from an audit.
Why do subcontractor costs affect my quote?
Carriers may consider subcontracted work in rating and underwriting because your business can face claims involving that work. Required insurance evidence and audit treatment vary. Keep payment records, scopes, written agreements and current certificates or endorsements. Ask how the policy treats insured and uninsured subcontractors before comparing premiums.
Can my premium change after I buy the policy?
Yes. Endorsements and audits can change premiums. An auditable policy may start with estimated payroll or receipts and later reconcile actual activity. Minimum premiums and other terms can limit return premiums. Ask which records are needed and tell your broker about significant changes during the year.
Is the annual premium divided by twelve my monthly payment?
Not necessarily. Deposits, installment fees, taxes or premium-finance charges may affect payments. Ask for the complete payment schedule and full-term cost, including any financing conditions. Compare those alongside coverage; two monthly figures alone may not describe equivalent policies or payment plans.
Can shopping the market save money?
Comparing available carriers can reveal price and coverage differences, but savings are not guaranteed. Accurate business information makes the comparison more useful. Do not remove needed protection or leave operations off an application to chase a lower number. Riza helps explain the alternatives and what you would be giving up.
You build what comes next. Let’s help protect it.
Tell us about your projects, or bring the policy you already have.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET