Contractors Insurance

Coverage Built for Contractors Across Trades and Risk Profiles

Contractors face risks that vary by trade, jobsite, and project scope. The right insurance helps protect your business and the contracts you work under. At FinPoint Insurance Group, we build tailored coverage for contractors designed to support how you operate today and as your business grows.

Why Industry-Specific Coverage Matters

Contractor risks vary by trade, jobsite, and project scope. A generic insurance policy can leave coverage gaps or fall short of contract requirements. Industry-specific coverage helps ensure your insurance aligns with the work you perform, the environments you operate in, and the obligations you’re expected to meet.

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Contractor Trades We Insure

Drywall Contractors
Electrical Contractors
Excavation Contractors
Flooring Contractors
General Contractors
HVAC Contractors
Janitorial Services
Landscape & Lawn Services
Plumbing Contractors
Pool Contractors

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Contractors face unique risks that vary by trade, jobsite, and project scope. Having the right insurance in place helps protect your business, employees, and the contracts you work under. At FinPoint Insurance Group, we build tailored coverage solutions for contractors across multiple trades, designed to support how you operate today and as your business grows.

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Built for Growing Contractor Businesses

As contractors take on larger projects or add employees, insurance needs change. We help adjust coverage to match your growth, so protection keeps pace with your business.

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Who We Work With:

Independent contractors
Small and mid-sized contracting firms
Trade-specific specialists
Growing construction businesses

Common Risks Contractors Face:

Jobsite injuries and third-party claims
Property damage during active projects
Vehicle and equipment exposure
Contractual insurance requirements
Subcontractor liability gaps

FAQs

What is contractors insurance?

Contractors insurance is coverage that protects your business from risks like property damage, injuries, and legal claims that can happen on the job.

Do I really need insurance as a contractor?

Yes. Even small jobs carry risk. One accident or claim could cost thousands. Insurance helps protect your income and reputation.

What does contractors insurance usually cover?

Most policies can cover general liability, tools and equipment, commercial auto, and workers comp. The right mix depends on your work and team size.

How much does contractors insurance cost?

It varies based on your trade, revenue, location, and claims history. Many small contractors can get basic coverage for a few hundred to a few thousand dollars per year.

Why We're Different?

We don’t take a one-size-fits-all approach to contractor insurance. Our team works closely with contractors to understand how their business operates, the types of projects they take on, and the insurance requirements they face. This allows us to build coverage that aligns with real-world risks, not assumptions, and provide ongoing support as businesses grow and change.

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Where Protection
is Our Point

Wilmington Office

1613 Military Cutoff Road Suite 200
Wilmington, NC 28403
info@finpointinsurance.com
Phone: (910) 799-6161
Fax: (910) 799-3033

Leland Office

1018 Grandiflora Dr, Suite A
Leland, NC 28451
info@finpointinsurance.com
Phone: (910) 383-0303
Fax: (910) 383-0304

Southport Office

4911 Old Long Beach Rd SE, Suite 2
Southport, NC 28461
info@finpointinsurance.com
Phone: (910) 454-9800
Fax: (910) 454-8080