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Contractor Insurance

On the Job, On the Road, Always Protected
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Contractors face daily risks—from on-site injuries and property damage to stolen tools or lawsuits from clients. That’s why the right insurance policy isn’t just a formality—it’s protection for your livelihood. At W.J. Farmer Insurance, we work with contractors across New York to build custom coverage that checks every box: licensing requirements, jobsite expectations, and real-world exposures. Whether you're a solo electrician in Ithaca or manage a growing crew in Long Island, we’ll make sure you’re covered to work, hire, and scale with confidence.

Coverage Built for Boots on the Ground

Contractor Policies That Fit Your Work

We’ll help you choose coverages that reflect how you operate—from what you drive to what you carry to the jobsite every day.


Standard policies typically include:

  • General liability insurance for jobsite accidents & third-party damage
  • Inland marine for tools, equipment, and materials in transit
  • Commercial auto for work vans, trucks & trailers
  • Workers’ compensation for NY-regulated employee protection
  • Contractors E&O (errors & omissions) for service-related claims
What You Can Expect from W.J. Farmer

Fast, Flexible Coverage with the Right Paperwork

We understand how fast contracting jobs move. That’s why we prioritize quick turnarounds and easy access to the documents you need to win bids and keep working.


You’ll get:

  • Quick COIs for bids, permits & general contractor requirements
  • Affordable bundled packages for small-to-midsize crews
  • Advice on subcontractor coverage and insurance compliance
  • Help navigating NY-specific coverage thresholds
  • Ongoing policy reviews as your business grows


As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.

Don’t Let Gaps Cost You a Contract

Add-Ons for Extra Jobsite Peace of Mind

The more complex your work, the more layers of protection you may need. We’ll help you build coverage that covers the full scope of your risk.

  • Umbrella liability for higher contract requirements

  • Pollution liability (especially for HVAC, plumbing, roofing)

  • Equipment breakdown or rental reimbursement

  • Completed operations coverage

  • Employment practices liability

Let’s Build a Policy That Works as Hard as You Do.