Insurance Services for Contractors

Fast Insurance Solutions for Contractors & High‑Risk Trades

Hardhat Insurance helps contractors find fast, reliable insurance coverage through our partnership with Bearstar Insurance Services, a licensed insurance agency. Whether you need insurance to start a job, meet contract requirements, or cover a high‑risk trade, we make the process simple and efficient.

✅ Same‑Day Quotes
✅ Fast Certificates of Insurance (COI)
✅ Coverage Options for High‑Risk Contractors

General Liability

Surety Bonds

Workers' Compensation

Available Insurance Services

Commercial Auto

Builders Risk

Inland Marine (Tools & Equipment)

Excess Liability (Umbrella)

General Liability Insurance for Contractors

General liability insurance helps protect contractors from third‑party claims involving bodily injury, property damage, and legal costs.

Coverage solutions available for:

• General contractors

• Roofers

• Subcontractors

• Remodelers

• Handymen

• Construction professionals

• Plumbers

• Framers

• Electricians

• and all other specialty trades

General liability insurance is often required before working on residential, commercial, or government job sites.

Workers Compensation Insurance

Workers compensation insurance provides benefits for employees who are injured on the job, including medical expenses and lost wages.

Workers compensation solutions available for:

• Construction companies

• Subcontractors

• Small contractors

• High‑risk contractors

• Hard‑to‑place risks

• One man Businesses

Coverage options are available for trades such as roofing, demolition, excavation, and concrete work and all other construction trades.

High‑Risk Contractor Insurance

Some contractors are considered high risk due to the nature of their work. If you’ve been declined or non‑renewed elsewhere, we can help connect you with coverage options.

High‑risk trades include:

• Roofing contractors

• Demolition contractors

• Excavation contractors

• Tree service & arborists

• Concrete & masonry contractors

• Scaffolding & steel work

We work with specialized insurance markets through Bearstar Insurance Services to help contractors obtain coverage even if you are declined elswewhwere.

If we are unable to find you standard coverage, we are able to get you insured through the California State Fund or with help of NCCI to force an insurance company to protect your business.