You could avoid facing costly and unexpected legal and financial issues with proper coverage when owning and operating a residential contractor business. Understanding the types of residential contractor insurance available can help you make informed decisions about the coverage that best meets your needs.

Here are the common types of contractor insurance:

1. General Liability Insurance

General liability insurance protects against financial losses due to property damage and bodily injury resulting from your business operations. It covers legal costs associated with third-party claims and any damages that may be awarded. This type of insurance is essential for any residential contractor business as it helps to protect against any unexpected liabilities.

2. Workers’ Compensation Insurance

It is a type of insurance that provides medical benefits and wage replacement for employees who suffer injury or illness due to work. This type of coverage is required in most states, and it helps to ensure that workers are taken care of if they become injured on the job.

3. Commercial Auto Insurance

This type of contractor insurance provides coverage for vehicles suitable for business purposes. It can be significant for residential contractors who use vehicles to transport materials and equipment, as it can help to protect against any liabilities that arise from accidents or other incidents.

4. Umbrella Insurance

Umbrella insurance is a common type of policy that offers additional liability coverage over and above the limits of your other insurance policies. This type of coverage can protect against unexpected expenses that may arise from large claims.

5. Professional Liability Insurance

Professional liability insurance protects against any claims of negligence, errors, and omissions that may occur due to the professional services you provide. This type of coverage is vital for residential contractors as it can help to protect against any unexpected legal costs associated with professional assistance.

Tips to Choose The Right Residential Contractor Insurance

Finding the right residential contractor insurance for your business can be daunting. With various options, it can be challenging to determine which coverage is best for your specific needs. To help you out, here are some tips to help you choose the right residential contractor insurance for your business:

1. Understand Your Coverage Needs

Before shopping for contractor insurance, assessing your particular coverage needs is vital. Consider the specific services you offer and the potential risks associated with them. This will help you determine the level of coverage you need and the types of coverage you require.

2. Research Insurance Providers

Once you understand the coverage you need, it’s time to start researching insurance providers. Review reviews and compare different companies to ensure you’re getting the best coverage for your needs.

3. Ask Questions

Don’t be afraid to ask questions when speaking with a potential insurance provider. Ask questions about the coverage, the pricing structure, and the claims process to ensure you’re getting the best coverage for your money.

4. Consider Additional Coverage

While basic residential contractor insurance covers the basics, there are additional coverage options that you can consider. For example, add business interruption, property damage, or liability coverage.

5. Make Sure You’re Properly Covered

Once you’ve chosen an insurance provider, read through the policy carefully. This will ensure that you’re adequately covered and have the right coverage for your needs.


By following these tips, you’ll be able to find the right residential contractor insurance for your business. Researching and understanding your needs will help you get the best coverage for your money.

Pascal Burke Insurance Brokerage Inc is the perfect choice for contractors looking for reliable and comprehensive insurance policies. With a wide variety of approaches covering general and specialty cases, we are confident that our services will meet each customer’s needs. For all your concerns about contractor insurance in Wisconsin, contact us today.