Where to Buy Contractor Insurance
Contractors buy insurance through four channels: directly from a carrier, through an online marketplace, through a captive agent who represents one company, or through an independent broker with access to multiple carriers. Where to buy contractor insurance affects the price more than most buyers expect. The same roofing contractor doing $400,000 in revenue can get […]
Roofing Insurance Coverage Types: 6 Policies and Costs
Key takeaways A roofing insurance program is normally six separate policies, not one. Roofing contractor general liability starts at $3,100 a year for a roofer under $150,000 in revenue. Above that, carriers rate on revenue and the percentage drops as revenue climbs. Workers’ comp is the biggest line item for any roofer with a W-2 […]
General Contractor Insurance Cost 2026: $780 to $10,000
General contractor insurance costs depend on three factors: the type of work, annual revenue, and the state where the work is performed. A painter doing $150,000 a year in Texas pays around $780. A roofer at the same revenue level pays $2,900. Same state, same revenue, very different premium. Farmer Brown has placed contractor insurance […]
How much does business insurance cost? A 2026 guide by policy, industry, and risk
Business insurance cost depends on the type of coverage, the size of your business, what industry you’re in, how many employees you have, and a handful of other factors that most generic guides skip over. A small office-based business might get away with just a general liability policy or a business owner’s policy for a […]
All About General Liability Insurance for Contractors in 2026
Most construction clients ask for proof of general liability insurance before a contractor sets foot on the job site. That requirement exists because construction generates liability from multiple directions at once: bodily injury, property damage, subcontractor disputes, and third-party lawsuits that name everyone on the project, regardless of who caused the problem. Farmer Brown has […]
How Much Does Restaurant Insurance Cost?
Restaurant owners in the United States pay around $2,149 per year for a Business Owners Policy with $1,000,000 in general liability coverage and $100,000 in business personal property coverage, or about $179 per month. Farmer Brown has placed restaurant insurance policies across all 50 states since 1996. Owners can get a quote in minutes using […]
Best Contractor Insurance Policies You Should Have
About 4 percent of construction workers are injured or fall ill on the job each year. That number does not include property damage claims, vehicle accidents, or third-party lawsuits that have nothing to do with employee injuries. Construction generates liability from multiple directions at once. Farmer Brown has covered contractors across all 50 states for […]
Mobile Catering Van Insurance: Protecting Your Business on the Road in 2026
How to start and run a mobile catering van business A mobile catering van is one of the lower-cost ways to enter the food business. No lease on a commercial kitchen. No fixed address. Just a converted van, a menu, and the ability to show up where the customers are. The tradeoff is complexity. Getting […]
What Types of Insurance Do Painters Need?
Do painters need General Liability Insurance? Yes, and it is the first policy any painting contractor should have. General liability insurance covers accidental property damage and bodily injury that happens while you are working. If a painter knocks over a can and ruins hardwood floors, or a bystander trips over a drop cloth, this policy […]
Builders Risk Insurance Guide: Coverage, Costs & Who Needs It
New construction and remodeling projects carry some very specific risks that require insurance. Your general liability insurance only protects you from third-party lawsuits. This leaves the structure, materials, and labor uninsured against fire, theft, and severe weather. An affordable Builders Risk Insurance policy bridges this critical gap, ensuring that a single incident doesn’t put you […]
General Contractors Insurance Made Simple
General contractors insurance confuses a lot of buyers because the category covers two very different types of businesses. Getting the right coverage starts with knowing which one you are. Farmer Brown has worked with general contractors across all 50 states for nearly 30 years. Here is how insurers look at this. How insurance companies categorize […]
General Liability Renewal Checklist for Contractors 2026
Renewing a general liability policy is not a formality. It is the right moment to fix coverage gaps, update information that affects your premiums, and make sure the policy still fits how the business actually operates. Farmer Brown works with contractors across all 50 states on exactly this kind of review. Here is what to […]