CONTRACTOR-SPECIALIST INSURANCE PROVIDERS
Coverage built around your contracts
Most insurance agents have no clue what contractors actually deal with. We do. Contractor insurance is all we do, so we know the headaches, the risks, and what really matters on the job site.
General Liability
Per project aggregates, blanket additional insured and waiver of subrogation, and no surprise exclusions buried
in the form.Learn more
Worker’s Compensation
Coverage for your crew in every state you work, with help preparing for audits so the final bill isn’t a surprise.
Learn more
Commercial Auto
Coverage for your trucks, trailers and drivers. Add a vehicle or driver and get updated ID cards quickly.
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Builders Risk
Protects the project from groundbreaking to completion, including materials on site and in transit.
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TESTIMONIALS
What contractors are saying
I thought it was too good to be true due to it being half price of what I had been paying for years. I have to say I was immediately impressed with the service I received from ContractorNerd. They answered all my questions and were able to start my business insurance the same day and update L&I of the change the same day as well.
– Denise W.Working with Charlie at Contractor Nerd has been a great experience. He made the process of setting up my business insurance simple and straightforward, taking the time to explain my options and making sure I had the right coverage. He’s knowledgeable, very responsive, and genuinely looks out for us contractors. I’d recommend him to anyone looking for reliable insurance guidance.
– Jeremie G.THANK YOU for making getting proper coverage for our business so easy and painless. I had no idea what I was doing prior to calling you. Now I have zero doubts that we are appropriately insured, thanks to your knowledge and expertise. We truly appreciate your efforts!
– Jim
WHY CONTRACTORNERD
How ContractorNerd stacks up against the other guys.
If you‘re a general contractor or work in a trade, we’re confident we’re the best choice to find the
right insurance.
Traditional Agents
Contract Review
You find out when a GC rejects your COI
Programs for the trades that build commercial work.
MODERN PLATFORM + PERSONALIZED SERVICE
The service side of insurance, rebuilt.
COIs that match your contract
Send us the GC’s insurance requirements once. Every certificate lists the right additional insureds, waiver,
primary and noncontributory, and per project wording, with the endorsement pages attached so it clears
compliance the first time.
Change requests processed quickly
New additional insured, new vehicle, higher limit or a new state. Tell us what changed and we handle the carrier, the endorsement and the updated certificates.
Contract check before you sign
Send us the insurance section of any new contract before you sign it. We’ll tell you if your current coverage meets it and what to fix if it doesn’t.
One team that knows your account
The same people handle your quotes, certificates, audits and renewals. No call center, and no re-explaining
your business every time you reach out.
Here’s what actually makes us different.
We designed our platform specifically for contractors. You won’t deal with complicated forms, long waits, or back-and-forth phone calls. Instead, you get fast quotes and coverage, just as it should be.
We read your contracts
Additional insured, primary and noncontributory, waiver of subrogation, per project aggregate. We know which endorsement forms satisfy each requirement, so your COIs get accepted the first time.
Service that keeps up with your jobs
Your jobs come up fast. Your certificates and policy changes should keep up. Our systems and team turn requests around in hours, so a COI never holds up a start date or a payment.
Markets most agents can’t reach
When admitted carriers say no because of a loss, a class or a residential exposure, we go to E&S markets that will write it.
Contractors are unique & we get it
Most local agents have limited experience working with contractors. Because we focus on your industry, we understand the risks, regulations, and challenges that come with your trade.
Get more choices & customization
We have access to multiple insurance carriers who specialize in your trade. This gives you more options than agents who only offer one company’s products, which may not fit your needs.
Getting coverage shouldn’t take days
With us, getting contractor insurance takes minutes instead of days or weeks. You can get quotes, compare options, buy policies, and get certificates much faster than with other providers.
Frequently Asked Questions
How fast can you turn around a certificate or a policy change?
Standard certificates at purchase, certificates with custom contract wording in hours, and most endorsements same-day. If a GC needs it today, contact us.
What size contractors do you work with?
Most of our clients do between $500K and $5M a year, have employees or subs, and sign contracts with
insurance requirements. Smaller shops can still get instant GL and workers’ comp quotes online.
What do I need to get started?
Either submit new apps or upload whatever you have: current dec pages, loss runs, last year’s
applications or a contract’s insurance requirements. We’ll follow up with anything else a carrier needs.
Can you help if we were non-renewed or our premium jumped?
Yes. Non-renewals, loss history and tough classes are where a specialist broker earns its keep. We go to the
markets that will write the risk and tell underwriters the full story behind your numbers.
Is ContractorNerd an insurance company?
No. ContractorNerd Insurance Services, LLC is a licensed independent insurance agency. Policies are
underwritten by our carrier partners, and we handle quoting, binding and servicing for you.