Cost is one of the top reasons small contractors delay getting insured. Let’s break it down.
Average Costs
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General Liability Insurance: $45–$90/month
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Tools & Equipment Coverage: $20–$40/month
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Workers’ Comp: Depends on team size and payroll
Factors That Affect Pricing
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Type of work you do
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Where you work (Boston vs. smaller towns)
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Claims history
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Team size
Is It Worth It?
Definitely. A single claim can cost thousands, and most policies cost less than your weekly gas bill.
