Contractors Insurance

Whether you’re a general contractor or a handyman, your business is growing — and you need your insurance to keep up.

Oyer, Macoviak and Associates we work with over 30 “A” rated companies to provide insurance policies tailored to your business. We do this by taking the time to understand your contractor business, so you can get a policy that offers full protection.

The best part? We make it simple to get insurance since, let’s be honest, your day is already stressful enough!


Frequently asked Contractor Insurance Questions

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Is It Worth It to Get Contractor Insurance?

We understand that, as a business owner, you’re attempting to save money where you can. That may lead you to delay purchasing contractor insurance or avoid it altogether, especially if you don’t feel it adds any value to your company.

However, here’s the catch: contractors like you are at risk of catastrophic property damage claims that may severely deplete your finances.

For example, if you are sued for causing significant property damage to a customer’s property because of carelessness, you may be required to pay for legal fees and damages out of your own pocket – or your family’s money – if you are not properly insured.

Oh, and one more thing: Many clients will refuse to deal with you if you aren’t licensed and insured. There’s a lot of advice out there telling people to only work with insured contractors, so it’s a good idea to get this insurance if you want to grow your client base.


When you get your contractor insurance through Oyer, Macoviak and Associates, we’ll give you a certificate of insurance (COI) so you can begin issuing proof of coverage.

Contractor insurance policies are available in a variety of coverages:

  • General liability insurance
  • Workers’ compensation insurance
  • Surety bonds
  • Business automobile insurance
  • Business owners’ policies
  • Umbrella coverage
  • Tools coverage

At Oyer, Macoviak and Associates we are not captive to one insurance company so we can shop the different insurance companies to give you the best coverage with the best rate.