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Home > Contractor Insurance | Daytona Beach, Palm City and Throughout Florida | Iten Agency

Contractors Insurance


Contractors Insurance Information

If you are a general contractor, then your job is to transform other people’s dreams into realities. Still, it’s going to take a lot of care, commitment and oversight to do your job successfully, and even then, you can’t guarantee that something won’t go wrong. To ensure your long-term success and sustainability, you need to invest in a portfolio of customized, professionally backed commercial insurance options.  

What is contractor insurance?

Like any business, independent contractors need insurance to help protect themselves financially. What type of insurance you need depends on the type of work you do. Some types of independent contractors include the following:

  • Independent construction contractors
  • Freelance writers, editors and graphic designers
  • Repair people, plumbers, carpenters, electricians, painters
  • Accountants and financial planners
  • House and carpet cleaners
  • Independent hair stylists and salon professionals


Contractors are like any business. You need property and general liability insurance to minimize the basic financial risks of running a business. Additionally, contractor insurance includes coverage designed for specific industry risks. Our agency can find a customized policy that includes coverage most suitable to you.

If you are hiring contractors, you want them to have contractor insurance. Insurance you carry as a business or homeowner may not protect you from liability for a contract worker. This can expose you to lawsuits if a worker gets injured at your business or home.

What types of contractors insurance are available?

There is a wide variety of contractor insurance options. Here are common coverages for independent contractors.

  • Bodily injury and property damage: This coverage is for contractors who work with heavy machinery and need to be prepared for accidents due to power tools and other hazards.

  • Professional liability: For contractors who provide consulting and advice, this coverage can protect you from liability risks due to losses a client may experience. It helps protect your business’s finances if a client accuses you of errors, whether due to mistake or negligence.

  • Commercial vehicle: Any vehicles owned by your business must adhere to state auto insurance laws. You can also help protect your vehicles from various damages.
  • Builder’s risk covers property and raw materials while construction is underway. This type of policy is often written per project.

  • Workers compensation: Independent contractors may or may not need workers compensation. This coverage compensates employees for medical expenses and lost wages after an on-the-job injury.

Get started today!

We can search for different policies based on the size of your business, the number of employees and the type of work you perform. Call us today to get started with a free quote.

Common Contractors Insurance Questions:  

What is General Contractors Insurance?  

Contractors are business owners, and just like any other business owner they must both support themselves and meet their obligations to their clients. This means being prepared to address problems that might unexpectedly arise, interrupt operations, damage property, or cause harm to others. A customized insurance portfolio will ensure that they have the financial means to do so.  

The insurance needs of a contractor are a lot different from the policies that a boutique store, software company or law firm. Therefore, getting the right benefits will mean customizing your policy options to address the risks present in your industry. Our team of agents want to help you get these results.

Why do General Contractors Need Insurance?  

A commercial insurance portfolio can help any business owner be better prepared for many types of problems that arise from the liabilities present in their line of work. General contractors are no exception. With the right commercial benefits in place, you’ll be able to pay for damaged property, settle lawsuits, support yourself against lost income, and otherwise pick up the pieces of accidents that could prove devastating if you don’t have the support offered by strong insurance options.  

What Does General Contractors Insurance Cover?  

There are multiple business insurance options that make up the contractors insurance marketplace, including:

  • Property Insurance: This coverage will insure your company assets — such as buildings, stock, inventory, equipment and furnishings.

  • General Liability Insurance: Your mistakes might cause property damage or bodily harm to others, such as your customers. When these accidents occur, your policy can help you compensate that party if they sue you for their losses.

  • Business Interruption Insurance: If an unexpected accident forces you to halt operations temporarily, then this coverage can help you pay overhead expenses until you reopen.

  • Commercial Auto Insurance: Vehicles owned by your business must adhere to state auto insurance laws. You can use this plan to cover the costs of wrecks or other hazards.

  • Professional Liability Insurance: When your professional mistakes or advice cause a client financial harm, this coverage pays for your recovery costs.

  • Builder’s Risk/Inland Marine Insurance: Projects in progress, and the materials associated with them, will have coverage against such perils s fires, vandalism and severe weather damage.

  • Workers Compensation Insurance: You will likely be required to buy this coverage. It helps you compensates employees for medical expenses and lost wages after an on-the-job injury.

  • Surety Bonds: A surety bond is a legal guarantee that obligates you to repay your clients if you fail to meet the obligations guaranteed by your contract.

  • Equipment Insurance: Equipment Insurance: To help protect employee equipment and other essential items, you will need to make sure they have the appropriate coverage.


Numerous specialty policy endorsements and supplementary plans can be integrated into your full portfolio, as well. Speak to our agents to learn more about how we can help you better tailor your benefits. 

How Much Will My Benefits Cost?  

We understand that you want to be conscious of your budget when selecting insurance benefits, and our network of nationally recognized brands offer you the promise of competitive, affordable prices. We will help you establish both what coverage options are necessities for you, and how you can customize them in ways that can help you have adequate coverage but not stymie you with an unfair cost burden.

Companies We Work With

The companies we work with are some of the best in the industry. We look at each one annually, evaluating pricing and customer service levels, so you can expect a smooth and fair process.

 Carrier Carrier Carrier  Carrier Carrier Carrier Carrier Carrier Carrier geovera logo Carrier Carrier Carrier Carrier Carrier slide logo Carrier Carrier Carrier Carrier vyrd logo Carrier Carrier Carrier Carrier Carriertyp tap logoCarrier Carrier Carrier Carrier
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Davie Office
5905 S University Drive
Davie, FL 33328

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5889 S Williamson Blvd, Suite 1429
Port Orange, FL 32128

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4221 S.W. High Meadow Road, Suite 201
Palm City, FL 34990
Davie/Main Office: 954-680-0360
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Careers opportunities at Iten Insurance Agency

We are currently hiring for Personal Lines Customer Service and Commercial Lines Service. Please feel free to email us your resume at info@itenagency.com.


We look forward to hearing from you.


See something you are unsure about? Take a look at our
Policy Glossary

The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.


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