Contractor Insurance
Connecticut Artisan Contractor Insurance
Owning and operating a business as a specialized artisan contractor—whether you’re an electrician, plumber, landscaper, or carpenter—is an impressive accomplishment. It reflects skill, dedication, and a commitment to delivering quality work that keeps homes and businesses running smoothly. As a contractor or business owner, you juggle countless responsibilities, including ensuring your investment is protected with the right insurance.
That’s where River East Insurance excels. We’re more than just an insurance agency—we’re your trusted partner in protecting and growing your business. Known for our responsiveness, advanced technology, and strong presence in the contractor industry, we bring a hands-on, personalized approach to safeguarding your operations.
Our expertise isn’t just theoretical—we understand the day-to-day challenges contractors face. With tailored coverage options and access to top-tier carriers, we provide solutions that address your specific risks, so you can focus on your craft while we handle your protection.
Why Contractors Choose River East Insurance
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Fast Certificates of Insurance (COIs) – Get same-day turnaround so you can keep projects moving.
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Independent Agency Advantage – We shop multiple top-rated carriers to find the best coverage and price for your trade.
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Responsive, Local Service – Talk directly with an experienced Connecticut agent who knows contractors.
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Tailored Coverage Packages – We build policies around your exact business — from small trades to multi-crew operations.
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Contract & Compliance Expertise – We understand what general contractors and property managers require for insurance certificates.
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Comprehensive Protection – From tools and equipment to vehicles and bonds, your entire operation is covered under one roof.
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Competitive Pricing – Access preferred contractor programs and multi-policy discounts through our carrier partners.
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Claims Support You Can Count On – Direct assistance through the claims process so you’re never left dealing with it alone.
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Local Knowledge, Real Relationships – Proudly serving Connecticut businesses with fast, personal, and professional service.
Key Contractor Insurance Policies
General Liability
Covers third-party bodily injury, property damage, and completed operations.
Workers Compensation
Required for employees; covers job-related injuries and medical expenses.
Contractors E&O
Professional Liability covers design errors, project management mistakes, or faulty advice (important for design-build contractors).
Builders Risk
Covers materials, equipment, and the structure itself during construction or renovation.
Contractor Tools & Equipment
Inland Marine - Protects portable tools, machinery, and equipment against theft or damage on job sites or in transit.
Contractor Bonds
Includes bid, performance, and payment bonds to meet project or client requirements.
Pollution Liability
Covers claims arising from accidental spills, overspray, or environmental contamination.
Employment Practices Liability
Protects against employee claims such as discrimination or wrongful termination.
Commercial Auto
Covers owned, leased, or hired vehicles and trailers used for business purposes.
Umbrella/Excess Liability
Provides an extra layer of protection above general liability, auto, and employer’s liability limits.
Installation Floater
Protects materials and equipment while in transit or awaiting installation at a job site.
Cyber Liability
Protects against data breaches, phishing, and loss of digital project information or client data.
Contractors We Cover
River East Insurance offers tailored protection for Connecticut contractors — from electricians and solar installers to landscapers and remodelers — ensuring your tools, vehicles, and jobsites stay covered.
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Electricians & Electrical Contractors
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Plumbers & Plumbing Contractors
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HVAC & Heating Contractors
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Carpenters & Framing Contractors
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Landscapers & Lawn Care Services
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Snow Removal & Property Maintenance Services
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Fencing Contractors
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Deck & Porch Builders
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Masonry & Concrete Contractors
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Excavation & Site Work Contractors
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Paving & Driveway Contractors
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Painting & Drywall Contractors
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Flooring & Tile Installers
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General Contractors & Remodelers
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Solar Installation & Renewable Energy Contractors
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Tree Removal & Arborist Services
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Siding & Window Contractors
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Insulation Contractors
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Radon Testing & Mitigation Contractors
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Pest Control Contractors
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Handyman Services
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Kitchen & Bath Remodelers
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Cabinet & Millwork Installers
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Fire & Security Alarm Installers
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Low Voltage / Smart Home System Installers
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Garage Door Installers
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Welding & Metal Fabrication Contractors
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Pressure Washing & Exterior Cleaning Services
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Waterproofing & Foundation Repair Specialists
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Roofers & Gutter Installers
Why Is Contractor Business Insurance So Important?
Insurance is critical to shielding the business you’ve worked hard to build from unexpected events. From on-the-job accidents to property damage and liability claims, the risks contractors face can disrupt your work and threaten your livelihood. At River East Insurance, we provide comprehensive policies designed to minimize those risks and keep your business running strong.
When you work with us, you gain more than just coverage—you gain peace of mind, knowing you have an agency that always has your back.
Protect Your Contracting Business From Key Liabilities
Jobsite Liabilities
Every project comes with risks. Whether it’s damage to a client’s property, an injury caused by your equipment, or unforeseen issues with your work, you need protection against costly claims. General Liability Insurance is essential for contractors, providing coverage for property damage, bodily injury, and legal fees.
Employee Liabilities
In the contracting industry, workplace hazards are a reality. From power tools to heavy equipment, your employees are exposed to risks every day. Workers' Compensation Insurance ensures medical expenses and lost wages are covered if an employee is injured, protecting you from liability while supporting your team.
Professional Liabilities
Mistakes happen, even to the best professionals. If a client claims your work was incomplete, caused damage, or failed to meet expectations, you could face costly legal action. Professional Liability Insurance (Errors & Omissions) helps cover these claims, ensuring your reputation and finances remain intact.
Commercial Auto Liabilities
Contractors rely on vehicles to transport tools, equipment, and materials to job sites. If an accident occurs while on the job, you could face significant expenses. A Commercial Auto Insurance policy protects your business from liability for vehicle-related damages or injuries.
Tools & Equipment Coverage
Your tools and equipment are the backbone of your work. If they’re damaged, lost, or stolen, it could halt your projects and cost you dearly. Inland Marine Insurance offers protection for the tools and equipment you rely on, whether they’re in transit or at a job site.
Cyber Liabilities
In today’s digital age, contractors often rely on technology for billing, communication, and scheduling. Unfortunately, this opens the door to potential cyberattacks. Cyber Liability Insurance protects your business from data breaches, covering costs related to legal fees, recovery, and customer notifications.
Why Choose River East Insurance for Contractor Coverage?
At River East Insurance, we understand what it takes to run a successful contracting business. With our hands-on approach, deep industry knowledge, and commitment to personalized service, we go beyond offering policies—we partner with you to protect your livelihood.
Don’t let unexpected challenges derail your business. Contact us today to discuss the insurance solutions that work as hard as you do, so you can focus on delivering exceptional results to your clients.