As a contractor, you manage vital resources like materials and equipment that are essential to your business. We can help you manage other important issues, including theft, injuries and damages. Our contractors insurance is an easy way to protect against the unforeseen, so you can preserve the business you’ve worked so hard to build.

Core coverages


Helps cover medical expenses and legal fees you incur while defending against a lawsuit from a covered event.

Liability coverage

Covers mobile machinery and equipment in any location or while in transit.

Inland marine coverage

Other business insurance policies you may need

Even more coverage you may need

Contractors equipment

Protect your valuable electrician tools and machinery against damage while on the job. Common tools include those used in construction, landscaping and engineering, such as compressors, pumps, saws and other portable equipment.

Employee dishonesty

Get coverage to help recover losses from employee theft.

Equipment leased or rented from others

Protect equipment that you have rented or leased for your electrical contracting business, such as forklifts and backhoes.

Optional enhancements & endorsements

We offer coverage enhancements and endorsements to address risks unique to your industry, including:
  • Contractors errors and omissions
  • Numerous additional insured endorsement
  • Expanded property damage
  • Limited pollution coverage
  • Waive of subrogation
  • Pre-project aggregate limit
We also have many different types of construction bonds, such as:
  • City/State contractor’s license bonds
  • Business services
  • Fidelity coverage
  • Bid bonds
  • Performance and payment bonds

Safety resources

Loss control services & risk management

When you insure your business with us, you get loss control tools and resources, including a Loss Control Services team who can review your operations, procedures and programs.

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Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.