Business Details
Trusted Contractor Insurance Solutions Nationwide
At Gaslamp Insurance, we specialize in delivering tailored insurance solutions for contractors across the United States. With a focus on understanding the unique risks faced by construction professionals, our team provides access to a comprehensive range of coverage options including general liability, excess liability, pollution liability, tools and equipment protection, workers' compensation, and more. Our commitment to responsive service is reflected in our online tools for instant quotes, certificate requests, and claims submission, ensuring contractors can efficiently manage their insurance needs.Backed by partnerships with top-tier insurance carriers, we offer A-rated coverage programs designed to meet the specific requirements of diverse trades, from HVAC and roofing to demolition and abatement. With decades of combined experience in the insurance and construction industries, our team delivers expert guidance to help contractors navigate complex risk management challenges while maintaining compliance with licensing and contractual obligations.
Services
General Liability
Excess Liability
Pollution Liability
Tools & Equipment
Workers Compensation
Commercial Auto
Builder's Risk
Professional Liability
Highlights and features
- Specialized expertise in contractor insurance across 50 states
- Hassle-free online quotes available 24/7
- Dedicated support for construction-specific risk management
- Access to A-rated insurance carriers nationwide
- Streamlined certificate of insurance portal
What people say
Easy, worry free experience
Responsive with requests
Attentive to needs
Production insurance service was A+
Love what you do
Services
General Liability
General Liability insurance protects contractors from third-party claims involving bodily injury, property damage, and advertising injuries. This essential coverage safeguards business assets during operations, completed projects, and worksite activities. Gaslamp offers customizable policies with varying liability limits to meet specific trade requirements while ensuring compliance with licensing boards and client mandates.
Excess Liability
Excess Liability insurance provides additional protection beyond primary policy limits, crucial for high-risk construction projects. Gaslamp's policies offer up to $5 million in supplemental coverage, extending protection for general liability, commercial auto, and other primary policies while maintaining compliance with large project requirements.
Pollution Liability
Pollution Liability insurance addresses environmental risks associated with construction activities. Gaslamp's policies cover cleanup costs, third-party damages, and defense expenses related to hazardous material exposure during excavation, demolition, HVAC work, and site preparation across residential and commercial projects nationwide.
Tools & Equipment
Tools & Equipment insurance safeguards valuable construction assets against theft, damage, and vandalism. Gaslamp's coverage extends to tools in transit, on job sites, and in storage, offering replacement cost value options and specialized protection for owned, leased, or rented equipment essential to daily operations.
Workers Compensation
Workers' Compensation insurance provides mandated protection for employee injuries and occupational illnesses. Gaslamp offers state-compliant policies covering medical expenses, wage replacement, and rehabilitation costs while providing ghost policies for sole proprietors requiring proof of coverage without active employees.
Questions
What types of insurance do contractors typically need?
Contractors commonly require General Liability, Workers' Compensation, and Commercial Auto insurance. Additional coverage like Excess Liability, Pollution Liability, and Tools & Equipment insurance may be needed based on specific trade risks and project requirements.
How quickly can I get contractor insurance coverage?
Gaslamp offers instant online quotes with same-day certificate issuance available. Most policies can be bound and proof of coverage provided within 24 hours through our streamlined digital platform and experienced underwriting partners.
Do I need workers' comp if I'm a sole proprietor?
While not always mandatory for sole proprietors, many states and general contractors require proof of Workers' Compensation coverage. Gaslamp offers ghost policies that satisfy contractual requirements without providing active coverage for non-employee business owners.
What factors affect contractor insurance costs?
Premiums are influenced by trade classification, payroll size, claims history, coverage limits, and geographic location. Gaslamp works with multiple carriers to find competitive rates tailored to each contractor's specific risk profile and operational history.
Can I get insurance for specialized construction trades?
Yes, Gaslamp provides coverage for over 30 construction specialties including roofing, abatement, excavation, and industrial pipeline work. Our programs accommodate unique risks associated with hazardous materials, high-risk environments, and specialized equipment operations.
