Coverage

Coverage options, explained plainly

Short guides to what each policy is designed to do, what to watch for, and what we'll ask.

Contractors General Liability

Plain-language guide to contractors general liability: third-party injury and property damage, completed operations, and what to review with KTL.

Workers' compensation for contractors and trade businesses: payroll, class codes, subcontractors, and how KTL helps you prepare for a quote.

Commercial auto insurance for contractor work trucks, service vans, and trailers. Learn why personal auto may not cover business use.

Contractor tools and equipment coverage (inland marine) for gear on job sites, in trucks, and in storage. What to list and what to review.

Commercial umbrella and excess liability for contractors who need higher limits for contracts or larger jobs. What it sits over and what it doesn't.

Builders risk and installation floater coverage for materials and work in progress before a project is accepted. Learn when contractors need it.

Contractor surety bonds explained: how bonds differ from insurance, common bond types, and what information a surety typically reviews.

Coverage availability, eligibility, limits, and pricing are subject to underwriting and policy terms. Requesting a quote does not bind coverage.

Tell us about your business. A KTL agent will review your information and follow up about available options.