Contractor Insurance in Pennsylvania
PA contractors need quick certificates, competitive pricing, and an agent who actually understands the work. We deliver all three.
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Contractor Insurance in Pennsylvania
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Trades we insure across PA
Roofers, HVAC, electricians, plumbers, general contractors, drywall, painters, flooring, concrete, landscaping, tree services, and handymen — across PA from Philly to Pittsburgh, Lancaster to Erie.
Each trade has a different risk class, and the right carrier (Markel, Hiscox, Builders, Auto-Owners, Travelers, BiBerk) makes a meaningful difference in price.
What PA contractors actually need
General liability ($1M/$2M typical), workers comp through SWIF or a private carrier, tools/equipment coverage (inland marine), and commercial auto for trucks and trailers.
PA contractors regularly need certificates listing GCs, project owners, or property managers as additional insureds. We turn these around same-day.
Bonds, registration, and license requirements
PA HICPA (Home Improvement Contractor Registration) requires registration and proof of insurance for any contractor doing $5K+ of residential work annually. We help you stay compliant and even bond as needed.
Surety bonds — license bonds, performance bonds, payment bonds — are common for PA municipalities and bigger jobs. We have bond markets that can issue quickly.
Frequently Asked Questions
Quick answers about contractor insurance in Pennsylvania, PA.
Related Insights
Plain-English guides from our blog — relevant to contractor insurance.