Contractor’s Insurance – Liability Coverage & Bonds for Wisconsin Builders

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Why Contractors Need Specialized Protection

Contractors across Wisconsin face unique risks on every jobsite. From property damage to accidental injuries, the right insurance is more than just paperwork—it’s what keeps your business moving. Many project owners in Sherwood, Appleton, and the Fox Valley won’t even let you bid without proof of coverage. Head Insurance Agency helps local builders secure the protection they need to stay competitive and compliant.

Construction worker near a blue and yellow machine at a construction site with safety barriers.

Contractor General Liability Insurance Explained

General liability insurance forms the foundation of a contractor’s policy. It covers claims of third-party injury, property damage, and completed work exposure. For example, if a client slips on a worksite or alleges faulty workmanship, liability insurance responds with legal defense and settlement coverage. Most Wisconsin contractors carry at least $1 million in liability protection to meet contract requirements.

Surety Bonds to Meet Project Requirements

Many construction jobs require contractors to provide bonds as proof of reliability. Whether it’s a license bond, a bid bond, or a performance bond, these guarantees reassure clients that the project will be completed as promised. Head Insurance can quickly arrange surety bonds so you can start work without delay.

Construction of a two-story house; a yellow telehandler lifts materials; green siding; blue sky.

Additional Coverage Options (Workers Comp, Tools, Builders’ Risk)

Beyond liability and bonds, contractors often need protection for employees, vehicles, and tools. Workers comp ensures employees are covered if injured on the job. Commercial auto insurance protects work trucks, while builders’ risk insurance covers projects under construction. Our team tailors solutions based on trade and project size.

Two men in hard hats at a construction site reviewing blueprints, one pointing at a tablet.

FAQs for Contractors

  • Do I need liability insurance to get a contractor license in Wisconsin?

    Yes, most trades require proof of insurance.

  • How much does contractor insurance cost?

    Rates vary by trade, size, and claims history, but we shop multiple carriers for the best value.

  • Can I get a bond with credit challenges?

    Yes, options exist, and our team can help you qualify.