Free, No-Obligation Quote
Get a Free Commercial Insurance Quote — No Office Visit Required
Tell us about your business and a licensed agent at Contractors Choice Agency will build a custom quote across our carrier partners — usually within one business day.
The form below takes a few minutes to complete in three short steps. There's no printing, no signature required just to see pricing, and no obligation to buy anything once you see your options.
What Happens Next
A Licensed Agent Contacts You
Within 1 business day, a real licensed agent reviews your request and reaches out by phone or email — not an automated reply.
A Custom Quote Gets Built
Your agent shops your business across our carrier partners and puts together pricing and coverage options sized to your trade and risk.
E-Sign & Get Your Certificate
Approve the option that fits, sign electronically, and receive your certificate of insurance digitally — often the same day.
No Obligation
Requesting a quote never commits you to buying a policy.
Licensed in All 50 States
Valid coverage no matter where your business operates.
Real Licensed Agents
Every quote is built and reviewed by a person, not software alone.
Who Should Request a Quote
If any of this sounds like you, it's worth a quote
Starting a new contracting business
If you're forming an LLC or registering as a sole proprietor and taking on your first jobs, most general contractors and licensing boards will require proof of coverage before you can start.
Shopping for a better rate at renewal
If your current policy is coming up for renewal, a fresh quote gives you a real comparison point — sometimes the incumbent carrier isn't still the best fit for your risk profile.
Adding coverage you don't currently carry
Hiring your first employee, buying a work truck, or bidding on a bonded public project each typically triggers a need for a coverage line you may not already have.
Losing coverage or facing a non-renewal
If a carrier has non-renewed your policy or you're facing a lapse, getting a new quote started early avoids a gap in coverage that could stop you from working a job site.
You don't need to already know exactly which coverage line you need. If you select “not sure / need guidance” on the form, a licensed agent will walk through your business and recommend what actually applies — many contractors end up needing a combination of general liability, workers' compensation, and sometimes a surety bond or commercial auto policy, and an agent can tell you which of those apply to your specific situation instead of guessing on your own.
It's also worth requesting a quote even if you're not planning to switch right away. Seeing current pricing helps you budget for a renewal, gives you a number to compare against if a general contractor asks what coverage costs, and means you're not starting from zero the day you actually do need to make a change.
Speed Up Your Quote
Information that helps an agent quote you faster
The quote form only asks for the essentials, but having a bit more detail ready when your agent calls back can shave real time off the process.
Your business type or trade
General contractor, roofer, electrician, plumber, HVAC, and similar — this is the single biggest factor in which carriers and pricing apply to you.
Years in business
Newer businesses and established ones are underwritten differently — having this ready avoids a follow-up call just to ask.
The state your business operates in
Coverage requirements and pricing vary by state, especially for workers' compensation, so this narrows the carrier options immediately.
Coverage you currently carry (if any)
If you're replacing an existing policy, having your current limits and carrier on hand helps your agent build an apples-to-apples comparison.
None of these are hard requirements — you can submit the form with just the basics and an agent will ask for anything else that's missing on the follow-up call. But the more of this you have ready, the more likely your first conversation ends with real numbers instead of a list of questions the agent still needs answered before quoting your business.
Why Request It This Way
No pressure, no waiting room, no scheduling around us
A traditional quote request usually means a phone tag cycle, an office visit, or a printed application faxed back and forth. Requesting your quote through this page skips all of that without skipping the underwriting review that actually determines your price. You fill out the same categories of information a licensed agent would ask for in person — business type, years operating, state, and coverage needs — and that information goes directly to a person qualified to act on it.
There's no pressure to decide on the spot, either. A quote is exactly that — a number and a set of options, not a commitment. You can compare it against another agency's quote, run it by a business partner, or simply sit with it for a few days. When you're ready, binding the policy is a matter of an e-signature, not a return office visit.
The Follow-Up Call
What to expect when your agent calls or emails
After you submit the form, a licensed agent reviews what you've told us and reaches out — usually by phone if you provided a number, or by email if that's easier for your schedule. That first conversation isn't a sales pitch; it's a chance for the agent to confirm the details of your business, ask a few follow-up questions if anything needs clarifying, and explain the coverage options and pricing they've put together across our carrier partners.
You'll typically hear about coverage limits, deductibles, and how your premium compares across a couple of options, along with an explanation of why one might make more sense for your business than another. If you have questions the initial quote didn't answer — what a specific exclusion means, whether a limit is high enough for the projects you bid on, how a claim would be handled — this call is exactly where those get answered by a person who understands contractor risk, not a generic script.
If your situation involves anything unusual — a mix of trades under one business, recent growth in payroll, a past claim you're unsure how to explain, or a project that requires a specific bond amount — say so on the form or mention it on the call. Unusual details are exactly what a licensed agent is for; software can price a straightforward application, but judgment calls about how to present a nuanced risk to a carrier are where an experienced agent actually earns their role in the process.
Requesting a quote never obligates you to buy a policy. If you want to think it over, compare it against another quote, or simply aren't ready yet, you can say so and the agent will follow up on your timeline. When you are ready to move forward, binding coverage happens entirely online — review your options, approve a quote, and sign your policy documents electronically. Your certificate of insurance is typically available the same day your policy is active, so if you're quoting because a general contractor needs proof of coverage soon, that timeline is usually well within reach.
Not Sure What You Need?
Browse each coverage line before you request a quote
Frequently Asked Questions
Cost and quote questions
How much does general liability insurance cost for contractors?
A standard $1M/$2M general liability policy typically runs $750 to $2,500 per year for small-to-mid contractors, with higher-risk trades like roofing or framing often running $3,000+ per year.
What factors affect my commercial insurance premium?
Your trade/risk class, payroll and revenue, years in business, claims history, coverage limits, and location all factor into your premium.
How much does a contractor surety bond typically cost?
Bond premiums for well-qualified contractors typically run 1-3% of the total bond amount, though rates can be higher for contractors with limited credit history or past claims.
Can I bundle multiple policies to save money?
Yes — bundling general liability and commercial property into a Business Owner's Policy, or writing multiple lines with the same carrier, often results in a lower combined premium.
Do I need to pay in full, or can I set up monthly payments?
Most policies offer monthly payment plans in addition to paying in full — we can walk you through the options available for your specific policy during the quote process.
Still have questions before you request a quote?
Call 844-967-5247 and talk to a licensed agent directly — a free quote is always no obligation.