Where to Buy Contractor Insurance
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 […]
Roofing Insurance Coverage Types: 6 Policies and Costs
Roofing Insurance Coverage Types Explained 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 […]
General Contractor Insurance Cost 2026: $780 to $10,000
How Much Does General Contractor Insurance Cost in 2026? 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, […]
How much does business insurance cost? A 2026 guide by policy, industry, and risk
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 […]
All About General Liability Insurance for Contractors in 2026
General Liability Insurance for Contractors 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 […]
How Much Does Restaurant Insurance Cost?
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 […]
Best Contractor Insurance Policies You Should Have
Four Contractor Insurance Policies Every Construction Business Needs 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 […]
Mobile Catering Van Insurance: Protecting Your Business on the Road in 2026
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 […]
What Types of Insurance Do Painters Need?
Types of Insurance 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 […]
Builders Risk Insurance Guide: Coverage, Costs & Who Needs It
Builders Risk Insurance: Coverage, Costs, and Who Needs It Construction projects fail for reasons unrelated to workmanship. A fire guts two weeks of framing overnight. A theft clears the site of $40,000 in materials. A windstorm tears off half a roof before it was finished. General liability does not cover any of that. Builders risk […]
General Contractors Insurance Made Simple
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 […]
General Liability Renewal Checklist for Contractors 2026
General Liability Renewal Checklist 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. […]