Contractors Insurance

Contractors Insurance in Massachusetts

Whether you’re a plumber responding to emergency calls, an electrician working in occupied buildings, or a general contractor managing multiple crews across Massachusetts, the right insurance can help keep your business moving when the unexpected happens.

At Risman Insurance Agencies, we help contractors understand their options, identify the risks that matter most for their trade, and explore coverage that fits how they work — on job sites, on the road, and in the shop.

Coverage Options Built for Contractors

Every contracting business is different, but many face similar exposures. These may include property damage, job-site injuries, stolen tools, auto accidents, or insurance requirements written into contracts.

We can help you review contractors insurance options that may include the following.

General Liability Insurance

Often required by clients and contracts, general liability insurance can help address certain third-party claims involving accidental property damage or bodily injury connected to your operations.

Limits, exclusions, and details vary by policy.

Commercial Auto Insurance

Commercial auto coverage options are available for vans, service trucks, and other vehicles used to transport tools, materials, or crews between job sites.

Coverage depends on the vehicles insured, drivers, and how the vehicles are used.

Workers’ Compensation Insurance

Workers’ compensation is required for most Massachusetts employers and can help support employees if a workplace injury occurs.

We can help you explore options that align with your payroll, class codes, and day-to-day operations.

Tools, Equipment & Materials

Coverage options may be available for handheld tools, power tools, and certain mobile equipment — whether stored at your shop, in a vehicle, or on a job site.

Availability and limits vary by carrier and policy.

Contractor’s Property

Contractor’s property coverage may help protect your office, shop space, business contents, and certain materials.

We can review property limits, deductibles, and what’s typically included or excluded.

Umbrella Liability

Umbrella liability provides additional liability limits that may help safeguard your business if a major covered claim exceeds the limits of an underlying policy.

Requirements and pricing can vary by trade and risk profile.

Who We Work With

We help independent contractors, small shops, and multi-crew operations throughout Massachusetts, including a wide range of trades.

Skilled Trades

Plumbers
Electricians
HVAC technicians
Carpenters
Roofers
Masons
Painters
Welders and fabricators

Construction & Site Work

General contractors
Remodeling contractors
Excavation and site prep
Landscaping contractors
Other specialty trades

Insurance for Your Trade

Select your trade to learn more about coverage options tailored to the work you do.

Plumbers Insurance
Electricians Insurance
Carpenters Insurance
HVAC Contractors Insurance
Roofers Insurance
General Contractors Insurance
Landscaping Contractors Insurance

Why Contractors Choose Risman

Local guidance for Massachusetts contractors

We understand how job-site requirements, contracts, and certificate requests affect your day-to-day work. Our team helps contractors review insurance options designed for businesses operating across Massachusetts.

Help with certificates of insurance

When a general contractor or property manager requests proof of insurance, timely certificates can help keep projects on schedule.

We can help you understand what’s being requested and coordinate certificates with your carriers.

Coverage that follows your tools and crews

From tools in transit to leased equipment and subcontracted work, we help contractors evaluate exposures and explore options that align with how their business operates.

Support when accidents happen

If there’s a claim or potential claim, our team can help guide you through next steps and coordinate with the carrier so you can stay focused on running your business.