Contractor Insurance
Insured to spec. Ready to bid.
General liability, commercial auto, tools and equipment, workers’ comp and more, placed by our brokerage and matched to what the bid asks for.
One application for every line you need: four sheets, about 10 to 20 minutes. Your answers are kept in this browser tab only, with no account; closing the tab clears them.Placed by Light RFP Risk Management Services LLC, NY DFS License # PC-1978982.Need the bid bond too? Get a free bid bond
Insurance to spec
The bid sets the coverage.
When an RFP lists the insurance it requires, our brokerage matches your coverage to that list before you bid, not after you win.
| Coverage line | The bid asks for | Placed for you |
|---|---|---|
| General liability | $1M each occurrence, $2M aggregate | GL policy at $1M / $2M |
| Commercial auto | $1M combined single limit | Auto policy at $1M |
| Workers’ comp | Statutory limits | Workers’ comp, statutory |
| Umbrella | $5M over GL and auto | Umbrella at $5M |
| Additional insured | Owner and property manager | Endorsement on the GL |
| Waiver of subrogation | In favor of the owner | Endorsements on the GL, auto and workers’ comp |
Your RFP lists its own limits, and we match to that list before you bid.
- Each occurrence
- the most the policy pays for any one incident.
- Aggregate
- the most it pays in total over the policy period.
- Combined single limit
- one limit per accident for injury and property damage together.
- Statutory
- the benefits your state’s law sets for workers’ comp; employer’s liability is the part with limits.
- Additional insured
- the owner is added to your policy for claims that arise from your work.
- Waiver of subrogation
- your insurer gives up its right to recover what it paid from the owner.
Coverage lines
Every line, on the job.
What each policy usually covers, pinned to the part of the job it covers. Your policy’s own terms decide.
General liability
Injury and property damage your work causes others, on the job and after it’s handed over. It doesn’t pay to redo your own faulty work.
Commercial auto
Trucks, vans and the whole fleet. Rentals and employees’ own cars on company errands can be added as hired and non-owned auto liability.
Tools & equipment
The tools, machinery and gear you own when they are stolen or damaged: on the truck, at the shop or on the site.
Workers’ comp
Medical bills and part of the lost wages for an injured member of the crew, plus employer’s liability if you’re sued over the injury.
Builder’s risk
The work in progress and the materials on site while the job is built. The contract says whether the owner or the contractor carries it.
Professional liability
Claims that your design, advice or management cost a client money.
Cyber
Data breach and ransomware: getting the business running again and notifying the people whose data was exposed. Fund-transfer fraud and phishing are often a smaller limit or an add-on.
Umbrella
Higher limits over your liability lines when a job demands them.
Surety bonds
Bonded through the same brokerage.
The bid bond and the performance and payment bonds the spec asks for, placed by the same brokerage as your coverage.
- Bid bonds
- FreeIn every state we serve
- Performance & payment bonds
- Flat 3%Of the contract value, from A-rated carriers
Get insured to spec.
Bidding on Light RFP is free. Light RFP earns a commission from the carrier on all policies and bonds it places.
Insuring a building or a project, not a bid?