Significant changes are approaching for contractor insurance pricing in 2026. To ensure profitability, it is crucial to start budgeting now. Here is a brief overview of what to expect:

• General Liability: $400–$1,500/year

• Workers’ Comp: $0.75–$2.74 per $100 payroll

• Commercial Auto: $750–$1,200 per vehicle/year

Your actual costs will depend on your trade, risk level, number of employees, location, and claims history. High-risk trades, such as roofing, electrical, and HVAC, will face higher costs. On the other hand, contractors with a clean safety record can enjoy significant savings.

Consider essential add-ons based on your specialty:

1. Builder’s Risk

2. Cyber Liability

3. Tools & Equipment Coverage

4. Installation Floater

Tips to Lower Your Premiums

✔ Bundle your policies
✔ Choose a higher deductible
✔ Improve jobsite safety
✔ Compare quotes — do not settle for the first option

Prepare now to protect your business for 2026 and beyond.