Contractor Insurance

Protect Yourself & Your Work

Torian Insurance offers a variety of insurance policies for independent contractors and subcontractors. Our insurance policies provide contractors coverage & peace of mind so they can focus on delivering quality work to their clients.

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Call (812) 424-5503 or fill out the form below to get started.

contractor insurance

Stay Covered While You Work

Contractor insurance is a type of insurance coverage specifically designed to protect contractors and their businesses from potential risks and liabilities. It provides financial protection in case of accidents, property damage, or injuries that may occur during a project. By having adequate contractor insurance coverage, contractors can protect their businesses from potential financial losses, lawsuits, and legal liabilities, which could otherwise have a significant impact on their reputation and financial stability. Contractors should consider the following insurance policies:

Protect Your Business With Contractor Insurance

Contact An Experienced Insurance Agency

Insurance can be complicated, but that's why we are here to help. With 100 years of experience in the insurance industry we can answer all of your questions regarding contractor insurance.

Customize Your Policy Based On Your Needs

Based on your specific needs, risks, and the type of contract work you do, Torian will help customize your your contractor insurance policy to include the coverage you need without anything extra.

Get Protected With The Best Coverage & Rest Easy

Your should be able to serve your clients and do the your trade without worry and risk. Our comprehensive insurance policies for contractors and subcontractors allow you to rest easy.

We pride ourselves in offering the best insurance coverage and services throughout Southern Indiana.

You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.

Variety Of Insurance Policies

We offer a variety of policies to find the perfect one for YOU!

Peace Of Mind

You'll have peace of mind knowing that your business is protected in case of an emergency.

Trusted Partner

If something happens, our team will be there with you every step of the way.

Bundled Discounts

Bundle discounts save you time and money on all of your insurance needs.

Contractor Insurance FAQs

If you are a contractor, independent tradesman, or subcontractor, it is important to reduce your liability and financial risk with contractor insurance. Common trades that need contractor insurance are:

Contractor insurance is a type of insurance coverage specifically designed to protect contractors and construction businesses from potential risks and liabilities that can arise from their work. It typically includes various types of coverage such as general liability insurance, workers’ compensation insurance, commercial auto insurance, property insurance, and professional liability insurance.

Contractor insurance can help protect your property, your employees and your operations depending on your policy. Some common risks contractors face are:

  • Stolen property
  • Car accident
  • Employee injury
  • Employee mistake
  • Fire damage
  • Client lawsuits


With contractor insurance the financial responsibility of these risks doesn’t fall on you.

The cost of contractors insurance can vary depending on several factors, including the type of work being performed, the size of the contracting business, the location, and the coverage limits required. Contact us today to get a contractor insurance quote.

While contractor insurance may not legally be required, it is extremely important when it comes to reducing your liability and risk. Contractor insurance helps reduce your financial responsibility if something goes wrong while you are at work.

Some of the basic information you’ll need to provide in order to get a quote for contractor insurance is:

  • Business name and location
  • Nature of work/industry of work
  • Owner information
  • Gross annual sales


Additionally you may be asked to provide:

  • The number of employees
  • Subcontractor cost
  • Annual payroll
  • A list of assets valued over $1,000 including tools and equipment

We just love working with Torian! Everyone is so wonderful and helpful. We have had excellent guidance, explanations, and recommendations for all of our insurance needs. We completely trust Torian and never have to worry about a thing. Thank you!

I am confident Torian is looking out for my best interest. I don’t worry about when or if something will happen because I know I have the best coverage I can get and at the best cost. Thank you Torian for the great service you offer.

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