Contractor Insurance in Indiana and Kentucky
Applegate Pulliam Insurance Group writes contractor insurance in Indiana and Kentucky for trade contractors: electricians, plumbers, painters, drywall and flooring crews, carpenters and siding installers.
Chase spent years in large commercial insurance. We read your contracts and the work you actually do, then write the policy to match, because a policy that describes the wrong work is the one that gets audited and dropped.
Contractor insurance, at a glance
- Licensed in
- Indiana and Kentucky
- Companies we quote
- 36
- Quote back
- Usually within 24 hours
- Comes with
- An audit of what you have now
What contractor insurance usually includes
- General liability: damage or injury you cause on a job. Most GCs and homeowners ask for a certificate before you start.
- Tools and equipment: inland marine coverage for what's in the truck and on the site.
- Commercial auto: your work trucks and vans, on a business policy, not a personal one.
- Workers' comp: required once you have employees in Indiana or Kentucky.
- Umbrella: extra liability for bigger contracts.
Need certificates for a job? We turn them around fast. Ask when you call.
Trades we write
Electricians, plumbers, HVAC, painters, drywall, flooring, carpenters, cabinet installers, siding installers and other trade contractors who do the work themselves. Most of our insurance companies prefer at least three years in business; if you're newer, call anyway and we'll tell you what's possible.
General contractors
Every general contractor is different. If you sub out most of the work, the insurance companies want to see that your subs carry their own insurance and that your contracts say so. Call us and we'll walk through it honestly before we quote.
Indiana and Kentucky, one agency
We're licensed in both states, so a crew based in New Albany that works jobs in Louisville stays with one agent. Running a rental on the side? See landlord insurance. Own the building you work out of? See small business insurance.
Contractor insurance questions
- How much is general liability insurance for a contractor in Indiana?
- It depends on your trade, payroll, revenue and claims history. A painter and an electrician with the same revenue can pay very different rates. We quote several companies so you see the real range.
- Do I need workers' comp if I'm a one-person crew?
- Owners can often exclude themselves, but many general contractors require proof of coverage or a certificate. We'll tell you what your contracts call for.
- Can you write my work truck too?
- Yes. Work vehicles belong on a commercial auto policy, and we usually write them alongside your liability.
- How fast can I get a certificate of insurance?
- Once your policy is in force, usually the same day.
Get your contractor insurance quoted by people who read the contract
Tell us your trade, your crew size and where you work. We'll quote it and check what your contracts require.