Insurance built for Pennsylvania contractors
General liability, trucks & trailers, tools & equipment, and workers' comp for remodelers, trades, and small construction companies — shopped across multiple carriers by a local independent agent.
Coverage for contractors & trades
Every crew is different. We build a package around the work you actually do.
General Liability
Third-party injury and property damage from your work — including completed operations after the job is done. Required by most GCs, property owners, and for PA home improvement registration.
Commercial Auto
Pickups, vans, dump trucks, and trailers used for business. Includes hired & non-owned auto for employees driving their own vehicles on errands.
Workers' Compensation
Medical bills and lost wages for employees hurt on the job. Required in Pennsylvania for most businesses with employees — and uninsured subs can end up on your audit.
Contractor's Equipment / Inland Marine
Protects skid steers, mini-excavators, lifts, and scaffolding against theft and damage — at the shop, on the trailer, or on the job.
Tools
Hand and power tools stolen from a truck or jobsite, often added to an equipment floater with a per-item limit.
Installation Floater / Builder's Risk
Covers materials and work in progress — cabinets, windows, lumber — until the job is accepted.
Commercial Umbrella
Extra liability limits above your GL, auto, and employer's liability — often required for commercial and municipal contracts.
Why work with an independent agent — and why LWG
Looker Wolfe & Gephart has been helping Pennsylvania businesses since 1940.
- We shop for you. As an independent agency we work with multiple carriers, not just one company's products.
- Pennsylvania only. We write exclusively in PA, so we know the state's rules, HICPA registration, and markets.
- Local and reachable. Real people at 44 Oak Park Rd, Harrisburg — call or text, Monday–Friday 8–5.
- Fast certificates. GC or homeowner needs a certificate with additional insured wording? Text or email us the request.
- Audit-ready. We help you collect sub certificates and estimate payroll and receipts so year-end audits don't surprise you.
- Annual reviews. As you add trucks, crews, and equipment, we adjust coverage so you're not caught short.
Contractor insurance FAQ
Do I need workers' comp in Pennsylvania if I only have one employee?
Generally, yes. Pennsylvania's Workers' Compensation Act requires most employers to carry workers' comp, even with one part-time employee. Sole proprietors and certain business owners/officers may be able to exclude themselves. Uninsured subcontractors may be treated as your employees at audit. Call us and we'll walk through your situation.
A GC wants to be named additional insured. Can you help?
Yes. Send us the contract's insurance requirements and we'll confirm your policy includes the needed additional insured, primary/non-contributory, and waiver of subrogation wording, then issue the certificate — usually the same business day.
Are my tools covered under my general liability or auto policy?
No. Liability doesn't cover your own property, and auto policies generally don't cover tools in the truck. A tools or contractor's equipment floater does.
Why do carriers ask about subcontractors?
Your GL and workers' comp premiums are based partly on what you pay subs. If a sub has no insurance, the carrier may charge you for that payroll at audit, and you could be responsible for their injuries or mistakes.
What do I need to get a quote?
Your trades, gross receipts, payroll, subcontractor costs, residential/commercial mix, vehicles, and tool and equipment values. The form below walks you through it in a few short steps.
Get your contractor insurance quote
A few short steps. Don't know an exact number? A good estimate is fine — we'll confirm details with you.