As a contractor, your insurance needs are as unique as the work you perform. From HVAC to concrete contractors and many classes in between, our coverages are built to make sure you can start any job with peace of mind. Even one-person jobs have risks, so we offer affordable coverage that suits your needs. No matter the size, our loss control representatives are available to help you reduce your risk and increase profitability.

Coverages to Consider

  • Columbia Safeguard Businessowners
    We created our Columbia Safeguard Businessowners coverage specifically for small- and medium-sized businesses. Our comprehensive policy allows you to customize coverage to fit your needs as a contractor for one affordable price.
  • Commercial Auto
    Provides property, liability and medical coverage for cars, trucks or SUVs owned or leased by your business.
  • Contractors Errors & Omissions
    We know you're committed to excellent work. We are too! But, errors happen, and this coverage can protect you from damages resulting from faulty workmanship, limited design services, recall of your work or use of defective materials.
  • Cyber Suite
    Our comprehensive coverage offers multiple layers of insurance against the ever-evolving cyber risks that businesses face each day.
  • Employee Practices Liability Insurance
    Business of all sizes can be sued for a variety of reasons such as discrimination, sexual harassment and wrongful termination. Our EPLI coverage gives you the protection you need.
  • Equipment Breakdown Coverage
    When a mechanical, electrical or pressure system equipment breakdown occurs, it can lead to lost revenue or even business failure. This critical coverage is included at no additional cost to you!
  • Liability
    With our broad protection and unparalleled services, you can rest assured your liability risks are covered. 
  • Property
    Our comprehensive property coverage insures your place of business and business personal property. In addition, we offer coverages specifically tailored to your business property, such as: Contractor's Tools, Miscellaneous Tools and Equipment, and Installation Coverage.
  • Umbrella
    Add on this important coverage to cover any liability losses over your policy limits!
  • Workers' Compensation
    Workers' injuries can happen, even in the most careful of environments. We'll help you reduce the risk of accidents and injuries while making sure you're covered when they do occur.

Why Columbia Insurance Group?

  • With a 98% Claims Satisfaction rating, we've proven that when you need us, we are there to settle your claim quickly and fairly. 
  • Your business is our business. Our coverages are coupled with professional loss control resources to help you reduce losses and increase your profitability.
  • We're here for the long haul. Our 130-year history and A- A.M. Best Rating shows our financial strength.