Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
Specialized coverage for contractors, roofers, electricians, and construction professionals. We understand job sites, subcontractors, and the risks that come with building things.
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The reality
Roofing. Electrical. Framing. The trades with the most skill have the highest rates. You can't avoid workers comp—but you can avoid overpaying if you work with a broker who knows how to class your payroll correctly.
You can't bid the job without the right coverage. Your subs need to carry their own policies. Additional insured requirements change project to project. You need a broker who can turn around certificates fast—not in two weeks.
You finished the job three years ago. Now there's water damage and your name's on the permit. Completed operations coverage is what protects you after you've cashed the check and moved on. Most contractors don't realize they need it until they're getting sued.
"We place contractors every day. We know which carriers understand the trades—and which ones will drop you after your first claim."
From job site to final inspection, we've got your trade covered.
Covers property damage, bodily injury, and completed operations
Essential coverage for job site injuries—falls, strains, and accidents
Covers work trucks, vans, and equipment trailers
Protects your tools from theft, damage, and breakdown
Coverage for structures under construction until project completion
Bid bonds, performance bonds, and payment bonds for contracts
Specialized coverage for every construction trade
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
Contractor insurance is a commercial insurance program built around the risks of a contractor business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include General Liability, Workers Comp, Commercial Auto, Tools & Equipment. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe completed operations, subcontractors, tools, vehicles, employee injuries, project types, and contractual requirements. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
No. General liability does not replace workers’ compensation, commercial auto, builders risk, professional liability, pollution, or coverage for tools and equipment. Residential work, roofing, height, excavation, subcontractors, and completed operations can materially change eligibility and terms.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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