Most Common Insurance Requirements in the Construction Industry


Setting insurance requirements is a tough line to walk. Set them too low and your business won’t be adequately protected from a (sub)contractor’s mistakes. But set them too high and contractors may raise their rates to compensate for the higher insurance premium, or avoid doing business with you at all.

That’s why we’ve put together 2020 benchmarks for contractors and subcontractors. Learn about the coverages, limits, and endorsements that commonly appear in construction contracts, what they mean, and how often they’re required.

Professions Included

  • General Contractor
  • Installation Services
  • Electrical Engineer
  • Interior/Exterior Painter
  • Flooring Installation
  • Project Manager
  • Restoration Contractor
  • Plumber
  • Carpenter
  • Landscaper
  • Handyperson
  • Hardware Assembly

If you have any questions, need an insurance expert by your side for upcoming conversations, or would like an assessment of your own requirements, give us a call! Email, or call (877) 968-9108 to see how we can remove insurance as a barrier to your workforce.

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These benchmarks do not constitute legal advice. Consult your legal and risk management teams to determine the best requirements for your contractors. For guidance, reach out to Bunker at