Comprehensive Insurance Solutions for General Contractors & Tradesmen

In the construction and contracting world, one mistake on a job site can erase years of hard work. But insurance isn't just about protecting you from lawsuits—it’s about getting hired. Whether you are a General Contractor, Electrician, Plumber, or HVAC technician, you know the rule: No Certificate of Insurance (COI), no job.

At Bearstar Insurance Services, we specialize in helping contractors find robust coverage that satisfies state requirements and client contracts, all while keeping your overhead manageable.

Why Do Contractors Need Specialized Insurance?

1. Liability & Lawsuits

If a client trips over your extension cord, or if a pipe you installed leaks and damages a finished floor, you are on the hook. General Liability (GL) pays for third-party injuries and property damage, ensuring a single accident doesn't bankrupt your business.

2. Contract Compliance (The COI)

General Contractors and property owners require proof of insurance before you can step foot on the site. We provide Certificates of Insurance (COIs) fast—often the same day—so you never lose a bid because of paperwork delays.

3. Protecting Your Crew

Construction has high injury rates. Workers’ Compensation is not only required by law in most states, but it also protects you from being sued by an employee who gets hurt on the job.

4. Tools & Equipment Coverage

Your tools are your livelihood. If your generator is stolen from a truck or your expensive drill is dropped from a ladder, Inland Marine (Tools & Equipment) coverage helps replace them quickly so you can get back to work.

Essential Coverages for Every Trade

We tailor packages for every type of contractor, from residential handymen to commercial heavy construction.

• General Liability: The foundation of your protection against lawsuits.

• Commercial Auto: Personal auto policies usually deny claims if the vehicle was being used for work. Protect your work trucks and vans correctly.

• Builder’s Risk: Covers materials and structures while they are under construction.

• Errors & Omissions (E&O): Vital for design-build contractors; protects you if you are accused of faulty advice or professional negligence.

• Umbrella / Excess Liability: Higher limits for bigger contracts that require a extra $1,000,000 to $5.000.000 aggregate limit.

Why Choose us for Your Contractor Insurance?

As a large agency with access to the nation's top carriers, we don't force you into a "one-size-fits-all" policy.

• We Shop the Market: We compare rates from multiple carriers to find the best blend of price and protection.

• Fast Certificates: We know that time is money. When you need a COI to get paid, we move fast.

• Risk Management: We help you identify safety gaps that could lower your premiums over time.

Ready to work and grow with Confidence?

Don't let one accident or a missing document slow down your business. Or call us at (888)601-0088 Ext 108 for a same-day consultation.