What general contractors typically need
Based on our experience working with general contractors across Kentucky, Indiana, and Tennessee, here are the coverage types you should have in place:
- General liability
- Workers compensation
- Commercial auto
- Builders risk
- Umbrella liability
- Surety bonds (bid, performance, payment)
- Subcontractor default insurance
Kentucky-specific requirements
Kentucky GCs bidding on public projects need surety bonds. Most commercial projects require $1M/$2M GL, $1M auto, and statutory workers comp.
We represent top-rated carriers including specialty markets for general contractors, which means we can often find coverage that generalist agencies cannot. We also handle certificates of insurance, additional insured endorsements, and audit support.
Get a quote for your general contractor business
Tell us about your business and we'll come back with coverage options from carriers that specialize in your industry.
We never sell your data. Privacy Policy
Why choose The Way Agency for general contractors insurance?
Industry experience. We understand the specific risks, contract requirements, and coverage gaps that general contractors face. We don't sell generic policies - we build programs that match real-world operations.
Carrier access. As an independent agency, we access markets that captive agents and direct-to-carrier sites cannot. For specialty trades, this access is the difference between getting covered and getting declined.
Certificate management. We handle COIs, additional insured requests, and evidence of coverage quickly. When you need a certificate for a job site by tomorrow morning, we make it happen.
Claims advocacy. When something goes wrong on a job, we help you navigate the claims process and push back on the carrier when needed. We work for you, not the insurance company.