Contractors Insurance
Contractors Insurance in Massachusetts
Whether you’re a plumber responding to emergency calls, a carpenter framing homes, or a shop managing multiple crews across Massachusetts, the right insurance can help keep your business moving when the unexpected happens.
At Risman Insurance, we work with local contractors every day. Our team helps you understand your options, identify the risks that matter most for your trade, and explore coverage that fits the way you work—on job sites, on the road, or in the shop.
Coverage Built for the Trades
Every contracting business is different, but many face similar risks—property damage, injuries, tools taken from a van, or delays caused by accidents on a job site. We can help you review coverage options that may include:
General Liability
Helps address certain third-party claims involving accidental property damage or injuries that can occur on a job site. Limits and details vary by policy.
Commercial Auto
Options for vans, service trucks, and other vehicles used for transporting tools, materials, or crews between job sites.
Workers’ Compensation
Supports your team when workplace injuries happen. Most employers in Massachusetts are required to carry workers’ compensation coverage; we can help you explore options that may fit your business.
Tools & Equipment
Coverage options for handheld tools, power tools, and mobile equipment—whether stored at your shop, in a vehicle, or on a job site.
Contractor’s Property
Ways to help protect your office, shop space, business contents, and certain materials. Available protections vary by carrier and policy.
Umbrella Liability
Additional liability limits that can help safeguard your business if a major covered claim exceeds the limits of your underlying policies.
Who We Work With
We help independent contractors, small shops, and multi-crew operations throughout Massachusetts, including:
Skilled Trades
- Plumbers
- Electricians
- HVAC technicians
- Carpenters
- Roofers
- Masons
- Painters
- Welders & fabricators
Construction & Site Work
- General contractors
- Remodeling contractors
- Excavation & site prep
- Landscaping contractors
- Other specialty trades
Insurance for Your Trade
Select your trade to learn more about coverage options tailored to your work.
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 local job-site requirements, contracts, and certificate needs affect your day-to-day work. Our team can help you review coverage options designed for contractors working across Massachusetts.
Help with certificates of insurance
When you need to provide proof of insurance, timely certificates can help keep your projects on schedule. Our office can help you understand what information is 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 can help you evaluate risks and explore options that align with the way your business operates.
Support when accidents happen
If there’s a claim or potential claim, our team is here to help guide you through next steps and coordinate with the carrier so you can stay focused on running your business.
Get a Quote or Ask a Question
Whether you’re pricing a new project, hiring additional crew members, or replacing equipment, our team is ready to help you review your options.
- Call: 781-396-2116
- Visit: Request a quote or contact us online
Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office.
