Industries We Serve

Contractor Insurance Nationwide

Insurance programs built for contractors and construction trades — structured around your license, your contracts, and the job-site requirements nationwide.

Coverage to Consider

Coverage to Consider

  • General Liability — Third-party bodily injury and property damage on the job site
  • Workers' compensation available nationwide. In some states, coverage is provided through the state fund.
  • Commercial Auto — Trucks and vans used to move tools and crews between sites
  • Inland Marine / Tools & Equipment — Coverage for tools, materials, and equipment in transit or stored
  • Contractor license and surety bonds nationwide, subject to surety approval.
  • Excess / Umbrella — Higher limits over primary policies for large contract exposures

Commercial Insurance Review

Request a Commercial Insurance Review

We’ll learn about your operations and discuss coverage options available for your business.

(310) 492-2007

Who This Is For

Contractors We Insure

From general contractors to specialty trades, we build insurance programs that meet licensing and job-site requirements nationwide.

General Contractors

GCs managing projects and subcontractors, with coverage structured around contract requirements.

Roofing Contractors

High-exposure roofing work placed with carriers that understand the trade.

Electrical & Plumbing

Licensed trades with specific code-compliance and tool exposures.

HVAC & Mechanical

Mechanical contractors with service vehicles, tools, and equipment.

Carpentry & Painting

Interior and exterior trades with general liability and tool coverage needs.

Concrete & Demolition

Site-work and demolition contractors with higher property and liability exposure.

Trades We Cover

Specialty Trades We Serve

Roofing Contractors
General Contractors
Carpentry — Interior & Exterior
Electrical Contractors
Plumbing Contractors
HVAC Contractors
Painting Contractors
Concrete Construction
Demolition Contractors
Masonry Contractors
Flooring & Tile
Landscaping & Excavation

Frequently Asked Questions

Common Questions, Answered

What insurance do contractors need?
Most contractors need general liability, workers’ compensation (required for employees in most states), and commercial auto for work vehicles. Many also need a contractor license bond and tools/equipment coverage. We build the full program around your trade and contracts.
Do I need a contractor license bond?
In most cases yes — most states require licensed contractors to hold a license bond. We help you secure the right bond for your license classification.
Does general liability cover my subcontractors?
Generally no. Subcontractors typically need their own coverage, and many contracts require proof of it. We help you clarify the responsibility and make sure the right parties are covered.
What about tools and equipment?
Tools and equipment are usually covered under an inland marine or tools schedule, which protects items in transit or stored off-site. We help value your equipment and structure the coverage.

Why Choose Us

Most People Choose WCFL Insurance Services

Customized for Your Needs

We customize each insurance policy to fit your specific needs. Your advisor will collaborate with various insurance companies on your behalf, seeking the policy that fits your needs. We compare quotes from multiple carriers; all coverage is subject to underwriting approval.

Transparent & Flexible

We will review the policies with you and clarify all the details of your chosen policy. Our goal is to offer you the best service and transparency when you sign up with us.

Expert Advisors by Your Side

Our advisors will always be available to ensure you get the insurance policy you need at a price you can afford.

Related Coverage & Industries

Explore Related Pages

General Liability
Third-party claims protection
Workers’ Comp
Employee injury coverage
Commercial Auto
Work vehicle coverage
Trucking
Hauling & freight operations

Ready to Place a Risk?

Our team is standing by to help you find the right coverage. Submit your information and request a commercial insurance review from WCFL Insurance Services.

Licensed Insurance Agency · Serving Businesses Nationwide

Need a contractor bond?

Buy a bond online

You’ll continue to Propeller’s online bond application, used by Capital & Co Insurance Services, the agency that places this coverage. Bond issuance, timing and price depend on the surety’s underwriting review and are not guaranteed. Not all applicants qualify.