Pen-and-ink construction scene: a framed building under a crane on one side, stacked lumber and a pickup on the other.

General contractor insurance cost

what does GC
insurance cost?
it depends on this.

What carriers price, and how to compare two quotes fairly.

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MARKETS WE PLACE THROUGH

the short answer

There’s no single price for general contractor insurance. The total depends on the policies you carry, the projects you build, where you build them, your payroll or receipts, what you subcontract, your claims and the terms you choose.

what moves the price.

The details carriers look at before they quote.

What you build: Residential, commercial, structural work and occupied renovations raise different questions. Include what you subcontract, not just what your crew does.
Who does the work: Payroll, receipts and subcontractor costs can affect rating and audits.
Project size and location: Your largest jobs, the states you work in and how you build help carriers read the risk.
The protection you choose: Limits, deductibles, exclusions and required endorsements all change the number.
Your claims: Past losses count, and so do the changes you’ve made since.

Sources: insurer guidance on contractor pricing factors, Texas Department of Insurance. Last reviewed September 2026.

tap a policy.

Each policy is priced on different inputs. Tap one to see what goes into it.

What goes into its price

general liability.

Project types, receipts or payroll, subcontractor use, limits and exclusions. Include the work you hire others to do.

Who asks: Owners and developers, in the insurance exhibit.

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comparing two quotes.

Read past the limit.
Check which of your operations each quote excludes, what it asks of subcontractors, and how it treats completed work.
Look past the monthly.
Compare the full-term premium and fees, the rating basis and any minimum premium. An audit can change the number after the policy starts.

good to know.

Straight answers on general contractor insurance cost.

How much does general contractor insurance cost?

There’s no single price for every general contractor. The total depends on the policies you carry, your projects, location, payroll or receipts, subcontractor costs, claims and coverage terms. A published liability average isn’t a price for your whole program, so ask for a quote on your actual work and compare the full cost alongside the exclusions.

Why do subcontractor costs affect my quote?

Carriers may count subcontracted work when they rate and review your business, because claims involving that work can reach you. How they treat insured and uninsured subs varies. Keep payment records, scopes, written agreements and current certificates or endorsements, and ask how each policy treats subs before you compare premiums.

Can my premium change after I buy the policy?

Yes. Endorsements and audits can change it. An auditable policy may start on estimated payroll or receipts and settle up on the actual figures later, and minimum premiums can limit what comes back. Ask which records you’ll need, and tell your broker about big changes during the year rather than at renewal.

Sources: insurer guidance on contractor pricing factors, Texas Department of Insurance. Last reviewed September 2026.

Insurance words, in plain English: waiver of subrogation · certificate of insurance · additional insured · primary and noncontributory · hold harmless agreement · contractual liability · per-project aggregate · completed operations