Contractors

Customized coverage built for every phase, of every project.

Contractors face risk before work begins, throughout construction, and long after completion. Jobsite injuries, property damage, pollution incidents, and contractual requirements can all create costly exposure.

GMIS delivers insurance for contractors made to meet your requirements. From annual coverage to project-specific policies, we help bring the right protection together so you can keep bidding, building, and moving forward.

Why does contractor insurance matter?

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What GMIS Offers

General Liability

Protection against third-party bodily injury, property damage, and completed-operations claims arising from your work.

Worker' Compensation

Protection for work-related employee injuries, occupational illnesses, and contractor payroll or classification exposures.

Pollution Liability

Protection for claims involving spills, mold, contaminated soil, dust, and other jobsite pollution conditions.

Errors & Omissions

Protection for claims involving professional services, design responsibilities, mistakes, or alleged contractor negligence.

Builder’s Risk Coverage

Protection for buildings, construction materials, equipment, and property throughout the active course of construction.

Project-Specific Policies

Dedicated protection structured around one project’s scope, duration, limits, and contractual insurance requirements.

OCIP & Wrap-Up Coordination

Guidance for understanding wrap-up coverage, contractor responsibilities, exclusions, and potential gaps outside the project.

10+ Year Policy Options

Longer-term coverage options, including certain 10-year structures, may be available for eligible project exposures.

Contractors We Support

From independent contractors to growing construction firms, GMIS provides coverage designed around your trade, workforce, project mix, and long-term goals.

General Contractors

Coverage for active projects, employees, subcontractor exposures, and the contractual requirements of larger construction operations.

Speciality Contractors

Solutions for electrical, plumbing, HVAC, roofing, concrete, and other specialized construction or installation trades.

Design-Build Contractors

Protection that considers construction operations alongside professional services, design responsibilities, and project coordination exposures.

Additional Businesses

Don’t see your trade listed? Contact us today. We likely offer coverage tailored to your operations

You might have exclusions you don't know about.

Not every contractor policy offers the same protection. Common exclusions may involve certain trades, projects, pollution, services, prior work, project size, or work performed by subcontractors. GMIS helps you review policy terms, understand common exclusions, and identify potential gaps before they affect a contract or claim.

Why contractors choose GMIS.

Contractor insurance can become complicated quickly. GMIS helps simplify the process by reviewing your operations, requirements, exclusions, and existing coverage before recommending a solution.

Whether you need annual insurance, specialized protection, or help coordinating coverage, our goal is to keep you protected and your projects moving.