Insurance for Contractors in Vermont

Coverage Built For Trades And Builders

Support for the way you work

Whether you are a general contractor, electrician, plumber, roofer, carpenter, or landscaper, you face jobsite risks every day. Contractors insurance in Vermont can include general liability, tools and equipment coverage, commercial auto, workers compensation, and bonds where needed. Many clients and municipalities require proof of insurance to win bids. Hull Insurance Agency helps contractors in Franklin, Lamoille, and Orleans Counties quote and bind quickly.

Key Coverages For Contractors

 Liability, tools, vehicles, and people

General liability responds to third-party injury or property damage claims from your operations or completed work. Contractor's tools and equipment coverage protects gear that moves from site to site, from hand tools to skid steers and lifts. Commercial auto covers work trucks, vans, and trailers that keep your schedule on track. If you have employees, workers compensation is required and helps with medical bills and lost wages after on-the-job injuries.

Tailored To Your Trade

Custom fit for every job

No two trades are alike. Roofers need higher limits and strong completed operations language, while remodelers may need installation floaters for materials in transit. HVAC and plumbers often require certificates fast for property managers in St. Albans and Milton. Hull Insurance Agency adjusts forms, limits, and endorsements to fit your scope of work.

Managing Certificates And Compliance

Win bids without paperwork delays

We issue certificates quickly and keep additional insured and waiver language on file for repeat clients. Share bid specs and project requirements for towns like Enosburg Falls, Georgia, and Newport. We will coordinate GL, auto, umbrella, and workers comp so documents match what is requested. Count on helpful reminders at renewal.

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Questions Vermont Contractors Ask

FAQs for trades and builders

  • What insurance is required in Vermont

    Workers compensation is required if you have employees. Vehicles used for work need commercial auto. Liability is not mandated for every contractor by law, but most jobs and landlords require it. We can set up a basic package that meets bid standards.

  • How do I insure tools and equipment

    Use inland marine coverage to protect movable tools and machinery on and off the jobsite. It can include rented or leased equipment and materials awaiting installation. Schedule high-value items and keep values current. We help design coverage that matches how you work.

  • Can I start as a new contractor

    Yes, we insure startups and small shops every week. A basic GL policy can be affordable, then you add coverage as you grow. We will ask about experience, receipts, and projected payroll. Quick, clear quoting is our goal.

  • Do subcontractors need their own insurance

    Yes, subs should carry their own GL and, if applicable, workers comp. Collect certificates and verify limits before work begins. Your policy can respond if a sub lacks coverage, which can raise your costs. We will outline a clean subcontractor agreement checklist.

  • How fast can I get a certificate

    Often the same day you bind coverage. Share the holder's name and any special wording early. We keep frequent holders on file for quicker turnaround next time. Email us and we will handle the rest.

Build With Confidence

Local help for Vermont contractors

From kitchen remodelers in St. Albans to excavation crews near Jay Peak, our team understands the pace of construction seasons. Hull Insurance Agency keeps insurance simple so you can focus on the work. Reach out for a contractors insurance quote today.