Your Trusted Insurance Agency for Contractors & Blue-Collar Businesses

Contractors need several types of insurance to stay protected. General liability insurance covers injuries or property damage caused by your work. Workers’ compensation insurance is required if you have employees, helping cover medical expenses and lost wages. Commercial auto insurance protects your work vehicles from accidents, damage, and theft. Depending on your trade, you may also need builder’s risk insurance to cover ongoing projects or bonds to meet licensing requirements. Our team can help you determine the right coverage for your business.

The cost of business insurance depends on several factors, including your industry, coverage limits, business size, and claims history. Contractors and tradespeople typically pay more for liability coverage due to the physical nature of their work. However, bundling policies, maintaining a safe work environment, and having a good claims history can help lower your costs. At Blue Collar Insurance Services, we work with multiple carriers to find you the best coverage at the most competitive price.

An independent insurance agency gives you more options than a single carrier. We compare policies from multiple providers to find the best coverage at the best price. Instead of selling just one company’s insurance, we act as your advocate, making sure you get the protection you need without overpaying. Our team is here to answer your questions, assist with claims, and adjust your coverage as your business grows.

In most cases, self-employed contractors are not legally required to carry workers’ compensation insurance. However, if you work on certain job sites, clients or general contractors may require you to have it before you start. Carrying workers’ compensation can also help protect you if you get injured on the job and need medical care or income replacement. Our team can help you decide if this coverage is right for you.

Operating without insurance leaves your business at risk. A single accident, lawsuit, or property damage claim could cost thousands of dollars—or even force you to shut down. Many clients and job sites require contractors to have insurance before they can start work. Without it, you may lose out on projects. Business insurance provides financial security, protects your assets, and keeps you compliant with industry requirements.

If you need to file a claim, contact us right away. We will guide you through the process and help you submit the necessary paperwork. The insurance company will review the claim, assess the damages, and determine the payout. Our team will advocate for you and ensure you receive fair compensation as quickly as possible. If you ever have questions, we’re here to help every step of the way.