Contractors Insurance

workers with hard hats framing a structureWith the proper mix of policies, endorsements and services, contractors insurance can give your business the protection it needs from property damage to tools to general liability, workers’ compensation and commercial auto insurance needs.

Why You Need Contractors Insurance

General contractors, contractors and subcontractors are usually required to carry contractors insurance by law and by businesses they may work for.

Types of Coverage

General Liability

General liability coverage can be a safeguard when a third party alleges bodily harm, injury or property damage caused by your negligence. General liability insurance coverage is commonly found bundled in with other coverages in a business owner's policy. If you do not want the extra coverages found in the business owner's policy, you may be eligible to get contractors insurance with general liability coverage.

Commercial Vehicle

Commercial vehicle policies insure you and your drivers. This coverage works for a wide variety of commercial vehicles and trailers commonly used by contractors.

Vehicle types Include, but are not limited to:

  • pickup trucks
  • dump trucks
  • tow trucks
  • tilt trailers
  • low-boy trailers
  • gooseneck trailers

Workers' Compensation

Workers' compensation insurance can be used in a situation where an employee suffers an injury or disease during the course and the scope of their employment, regardless of negligence on your part.

To learn more about this insurance coverage, please visit our Workers' Compensation page.


  • "I have been a customer of Farley Insurance since 1982. When I've had a claim they have been great to work with. They go to bat for me every year for the best rates which keeps me coming back. Very appreciative of Kent and his staff."

    — Penny

  • "My family has been with Farley Insurance Agency for 28 years. We enjoy their professional service they provide for our everyday needs as well as at claim time. Our claims have always been paid in a timely manner and their staff is very knowledgeable and helpful. They are truly 'only a call away'!"

    — Terri

  • "In November of 2015, we had a major fire which destroyed everything. We reopened in April of 2016 thanks to Farley Insurance. We could not have asked for better or more pleasant people to work with. They made everything run smoothly. We would recommend them to anyone. Thank you Farley Insurance!"

    — Nick

  • "We have used Farley Insurance Agency for a few years with a variety of business and personal coverage. Tim and his office has always been prompt and professional when dealing with any inquiries or issues that arise. We have found Tim to be competitive and has saved us money on insurance costs."

    — Mike

  • "Farley Insurance Agency has been Rex Vault's insurance provider for many years now. Both Tim and Chad have been excellent to work with. Their product knowledge is outstanding and their experience is always helpful."

    — Mark

  • "Tim Farley has been our agent for several years and we have been happy with his service and find him and his staff very helpful."

    "Insurance in the construction industry is competitive and we feel very comfortable with using the Farley agency."

    — Scott

  • "Farley Insurance Agency has been provides the business insurance for the City of Newton. Their product knowledge is outstanding and their experience is always helpful."

    — Mark