KTL Contractor Insurance
Insurance for your crew, your trucks, and your next job.
KTL helps contractors and trade businesses explore general liability, workers' compensation, commercial auto, tools and equipment coverage, and more—with personal help reviewing coverage and insurance requirements.
Since 2002
Independent agency
20+ carriers
Appointed markets
5★ Google reviews
Client-rated
Coverage in all 50 states
We can write policies in every state
Trades we work with
Coverage conversations built around your trade
Electricians
Electrical work carries fire, shock, and property-damage exposures that clients and general contractors take seriously. Whether you run a single service van or a crew doing commercial fit-outs, KTL can help you review the coverage options that fit how you work.
Learn moreHVAC Contractors
HVAC businesses juggle service calls, installs, rooftop work, and fleets of vans. Your insurance should reflect the mix. KTL can help you review liability, workers' comp, vehicle, and equipment options for heating, cooling, and refrigeration work.
Learn morePlumbing Contractors
Water damage claims are among the most common issues plumbers face, and they can surface long after a job is done. KTL can help plumbing businesses review general liability, workers' comp, and vehicle options and understand how policy wording treats completed work.
Learn morePainting Contractors
Painting looks simple to outsiders, but overspray, ladder falls, and damage to finished surfaces are real exposures. KTL can help painting businesses review options for interior, exterior, residential, and commercial work.
Learn moreDrywall & Flooring Contractors
Drywall and flooring contractors often work as subs on larger projects, which means contracts, certificates, and endorsement requests come with the territory. KTL can help you review coverage and contract insurance requirements.
Learn moreFinish Carpentry & Remodeling
Remodelers and finish carpenters work inside occupied homes and businesses, often coordinating subs. KTL can help you review liability, workers' comp, tools, and builders risk options and the requirements in your client contracts.
Learn moreLandscaping & Property Maintenance
Mowers, trailers, crews, and the occasional flying rock — landscaping and property maintenance businesses have a distinctive mix of exposures. KTL can help you review options for maintenance routes, installs, and seasonal work.
Learn moreJanitorial & Commercial Cleaning
Cleaning companies work inside clients' buildings, often after hours. Contracts frequently ask for liability, workers' comp, and sometimes bonding for employee dishonesty. KTL can help you review these needs.
Learn moreOther Contractor or Trade
Don't see your trade? Tell us what you do and an agent will review it with you.
Start a requestCoverage options
What contractors typically review
Contractors General Liability
General liability is usually the first policy a client, general contractor, or property manager asks to see. It is designed to respond to claims that your work or operations caused bodily injury or property damage to someone else, subject to the policy's terms, limits, and exclusions.
Contractors Workers' Compensation
Workers' compensation is designed to provide benefits to employees who are injured on the job, as defined by state law and the policy. Most states require it once you have employees, and many general contractors require proof of it from their subcontractors.
Commercial Auto & Work Trucks
If your trucks, vans, or trailers are titled to the business, carry tools and materials, or are driven by employees, commercial auto is the policy designed for that use. It can include liability, physical damage, and other coverages depending on what you select.
Tools & Equipment Insurance
Your tools travel with you, and a general liability policy is not designed to cover your own property. Tools and equipment coverage — often written as an inland marine or contractor's equipment floater — can cover your gear on job sites, in transit, and in storage, subject to the policy terms.
Commercial Umbrella & Excess Liability
Larger contracts often require liability limits higher than a primary policy provides. A commercial umbrella or excess liability policy can add limits above specified underlying policies, such as general liability, auto liability, and employer's liability.
Builders Risk & Installation Coverage
Materials and equipment you are installing are at risk until the project is complete and accepted. Builders risk and installation floaters are designed to cover property in the course of construction or installation, subject to the policy terms.
Surety bond — not insuranceContractor Bonds
A surety bond is not an insurance policy. It is a three-party guarantee: the surety guarantees to the obligee (such as a licensing board or project owner) that you, the principal, will meet an obligation. If the surety pays a valid claim, you are generally expected to repay the surety.
Growing businesses
Have employees or multiple work vehicles?
Once you have a crew and a fleet, workers' compensation and commercial auto usually become the biggest parts of your insurance picture. Payroll by job type, driver records, and how vehicles are used all affect what's available. We'll help you organize that information and review your options.
Contracts & certificates
Help reviewing insurance requirements for jobs and contracts
General contractors and property managers often require specific limits and endorsements. KTL can help you review requirements and request certificates and endorsements, such as:
- Additional insured
- Waiver of subrogation
- Primary and noncontributory
A certificate is evidence of insurance and does not itself add or change coverage. Endorsements are subject to carrier approval, availability, and policy terms.
How contract review works
How it works
Three steps
- 1
Tell us about your business
Share your trade, crew size, vehicles, and the coverage you're looking for. 'Not sure' is a fine answer.
- 2
Review available options
A KTL agent reviews your information against available markets and walks you through options and requirements.
- 3
Choose coverage and request binding
When you're ready, choose the options that fit and request binding. Coverage starts only once it's bound and confirmed.
About KTL
An independent agency with personal help
KTL Contractor Insurance is operated by KTL Business Insurance Services, an independent insurance agency founded in 2002 with appointments at 20+ carriers. As an independent agency, KTL can look at coverage options through its available markets rather than a single company's products. You work with a real person who helps you understand what your policies do, what your contracts ask for, and what questions to ask before you buy.
More about KTL
Google reviews
What KTL clients say
Verbatim excerpts from 5-star reviews on KTL's Google Business Profile.
“KTL has helped me with my business insurance and bonds for a while now. They're always responsive and helped me navigate insurance requirements on public projects. Great team!”
“Guy and the KTL staff have helped me with business insurance for years. My install business was hard to guesstimate back then, but my rates have been great the entire time and I've shopped around. They're good people.”
“Kevin is a master of his craft. It's one thing to have a nice insurance guy, it's far another to have a nice insurance guy that knows the business — and the business of your industry — better than you do. We have a lot of complex asks and KTL handles them.”
“Kevin, Blake, Adam and the entire team at KTL have provided excellent service. Their communication and follow-up are outstanding. They walk you through every step of the process and take the time to explain what you need.”
“I highly recommend Kevin from KTL Business Insurance. He is our business insurance provider that has consistently met our needs for over 20 years. Kevin and his team have always gone the extra mile to ensure that our policies fit our needs.”
“I've been working with Kevin and his team for around 6 years. What started as a single insurance policy turned into 3 over the years. A trusted one-stop shop for all your insurance needs. Their service is exceptional and rates are competitive. I highly recommend them!”
FAQ
Useful contractor insurance answers
Coverage availability, eligibility, limits, and pricing are subject to underwriting and policy terms. Requesting a quote does not bind coverage.
Get a contractor quote
Tell us about your business. A KTL agent will review your information and follow up about available options.