Insurance coverage for Construction & Trades
Contractual requirements, additional insured, and certificates for every job.
Business Owner's Policy (BOP)
All BOP questions →- What insurance does a handyman need?
One decision and one lookup. The decision: buy general liability alone, in a business owner's policy, or with a tool floater attached — the piece that actually protects your own equipment. The lookup: your state's licensing line, because in California any job over $1,000 makes you a contractor who needs a license and a $25,000 bond, not a handyman.
Commercial Auto
All Commercial Auto questions →- Do independent contractors need liability insurance?
In practice, yes — and rarely just one policy. Working 1099s typically carry general liability, commercial auto for any vehicle used on the job (personal auto policies exclude business driving), and often workers' comp even solo, because GCs and clients enforce coverage through certificate demands and premium audits, not because a statute names contractors.
Liability questions for Construction & Trades
General liability, E&O, D&O, and employment practices questions live on our sister publication: Construction & Trades on pleasedontsue.us.