Contractor Insurance Requirements (2026)

What insurance do you need as a contractor? Requirements vary by trade and state. Select your trade and state below.

$500-$2,000/yr

Recommended for all

Covers third-party bodily injury and property damage claims.

$1,000-$5,000/yr

Required if employees

Covers employee injuries on the job. Required in most states when you have 1+ employees.

$100-$500/yr

Required in some states

Financial guarantee that you'll complete work. Required for state licensing in many states.

$1,200-$3,000/yr

If business vehicles

Covers vehicles used for business. Personal auto policies don't cover commercial use.

By Trade

Select a trade above to see all 50 states.