core Coverages
If you're a contractor, you’ve likely been asked for proof of insurance—sometimes without clear guidance on what’s actually required. Between general liability, job site risks, and equipment protection, it’s easy to miss something important. Insurance Partners of Kansas helps contractors across Wichita, Derby, and Andover understand exactly what coverage they need to stay compliant, win jobs, and protect their business from costly claims. We make the process straightforward so you can focus on your work—not your paperwork.
Not Sure What Coverage Your Contract Requires?
Coverage Built for How Contractors Actually Work
General Liability Insurance
General Liability Insurance for Contractors
Job sites come with risk—property damage, injuries, and unexpected incidents. General Liability Insurance helps protect your business from third-party claims and is often required to secure contracts.
- Covers property damage on job sites
- Protects against third-party injury claims
- Helps meet contract and licensing requirements
- Includes legal defense costs
- Essential for most trades
Commercial Auto Insurance
Commercial Auto Insurance
If you drive between job sites or transport tools and materials, your vehicle needs proper coverage. Commercial Auto Insurance helps protect your business vehicles and drivers on the road.
- Covers work trucks, vans, and trailers
- Protection for accidents and liability
- Applies to owned and leased vehicles
- Helps keep your operations moving
Tools and Equipment Coverage
Tools and Equipment Coverage
Your tools are essential to your work—and replacing them out of pocket can slow everything down. This coverage helps protect equipment from theft, damage, or loss on and off the job site.
- Covers stolen or damaged tools
- Applies at job sites and in transit
- Helps minimize downtime
- Customizable based on your equipment
Workers’ Compensation Insurance
Workers’ Compensation Insurance
If you have employees, this coverage helps protect both your team and your business in case of work-related injuries.
- Covers medical expenses and lost wages
- Helps meet state requirements
- Protects your business from liability claims
- Supports safer job site operations
Contractors We Commonly Work With
- General contractors and subcontractors
- Electricians, plumbers, and HVAC professionals
- Roofers and construction crews
- Remodelers and home improvement specialists
- Landscapers and specialty trades
If your business involves job sites, tools, or client property, we can help structure coverage that fits your work.
Common Coverage Gaps Contractors Face
- Relying on personal insurance for business activities
- Not carrying enough liability coverage for contracts
- Missing coverage for tools, equipment, or materials
- Not updating policies as the business grows
- Overlooking vehicle use for work purposes
We help contractors in Wichita avoid these gaps with clear recommendations and flexible policy options.
What to Expect When You Work With Us
We start by understanding your trade, the type of work you do, and your contract requirements. From there, we compare policies across multiple carriers and explain your options in plain terms. You’ll get coverage that fits your business today—with flexibility to grow as your projects and team expand. And when you need proof of insurance, updates, or support, we’re here to help quickly.
FREQUENTLY ASKED QUESTIONS
Contractor Insurance Questions, Answered
What insurance do contractors need?
Most contractors need general liability, and may also need commercial auto, workers’ compensation, and equipment coverage depending on their operations.
Is contractor insurance required by law?
Requirements vary, but many contracts and clients require proof of insurance before work begins.
Does this cover subcontractors?
It depends on your policy structure. We help you set up coverage that aligns with how you use subcontractors.
How much liability coverage do I need?
This depends on your job size, contracts, and risk exposure. We help you determine appropriate limits.
Can I bundle policies together?
Yes, many contractors combine multiple coverages into a streamlined policy for simplicity and cost efficiency.
Get Coverage That Helps You Win More Jobs
Let’s Keep Your Fleet Moving
Having the right insurance isn’t just about protection—it’s about credibility. Contractors across Wichita, Derby, and Andover trust Insurance Partners of Kansas to help them meet requirements, avoid delays, and stay protected on every job.