As a contractor, you know how important it is for your customer to be satisfied. When it comes to buying insurance, you can expect the same high level of quality and service from us that your customers have come to expect from you. At Auto-Owners, we’ve developed a specialized set of coverages to make sure every aspect of your contracting business is well protected.

Your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business - find your local independent agent representing Auto-Owners today!

House being built with an electric saw on a table in front of it

Tools & Equipment

You depend on them to get the job done, make sure your tools and equipment are protected.

Machine on fire and smoking

Contractors Errors & Omissions

Mistakes can happen. This coverage goes above and beyond your basic general liability policy to safeguard your work.

Building site with machinery on it

Package Discount

Simplify your insurance by packaging coverages together and receive a premium savings.

Common Coverages

General Liability

Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.

Commercial Property

Provides protection for your buildings, business personal property and property of others.

Commercial Auto

Covers vehicles you own and use for your business.

Workers Compensation

Covers work-related injuries to your employees.

Inland Marine

Offers a variety of coverages that protect your property while away from your primary location. Available coverages include Contractors Tools and Equipment, Employees Tools, Laptops, and Building Materials and Equipment. Coverage for rented equipment is also available.

Builders Risk coverage is available to cover your interest in buildings under construction.

Additional Coverages

Owners & Contractors Protective Liability Coverage (OCP)

Covers liability of an owner or general contractor for the operations of an independent contractor doing work for the owner or general contractor.

Additional Insured

We offer you the convenience of different options for your additional insured needs. We also have blanket coverage available for one low price.

Waiver of Subrogation

Waiver of Subrogation is available at no additional cost.

Crime - Building Service Contractors

Covers costs if one of your employees are convicted of stealing property from your customers.

Cyber Liability

In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.

Employment Practices Liability (EPL)

Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.

Employee Dishonesty

Covers your business for employee theft of money, securities and other tangible property.

Commercial Umbrella

Covers large liability losses that exceed the limits of the underlying general liability policy.

Ways to Save

Multi-Policy Discounts

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Dispersion Credit

If you own multiple buildings at different locations and insure them on the same insurance policy, you may be eligible for additional savings.

Group Discount

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.

Package Discount

When you have your general liability with Auto-Owners and you choose to insure your tools, equipment, building or any other property with Auto-Owners, you will automatically receive this discount.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.  Discount does not apply for escrow direct bill accounts.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent