As a contractor, you have a lot to juggle—and always on the go. Knowing that you have the right coverage your business needs, from your tools and crew to the very work you perform will help you keep all the balls in the air.  ERIE understands this, which is why we developed a special contractors insurance program. From property damage to tools to contractor liability insurance, this mix of policies, endorsements and services gives your business the protection it really needs.


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Your Risks, Our Solutions

Business Insurance from ERIE Has You Covered

Contractor liability coverage

In case a third party alleges bodily harm, injury or property damage caused by your negligence.

Damage to others’ property in your care

In case an accident causes damage to someone else’s property that’s in your care, custody or control. (Available for purchase on select policies.)

Business auto

To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)

Coverage for property losses

For things like vandalism to your business, fire damage to your equipment and more.

Contractors tool/equipment coverage

For tools stolen from your building, at a job site or somewhere else. (Available for purchase as an additional coverage.)

Builders risk and installation coverage

For the materials, fixtures and/or equipment you’re using at a job site during the course of the construction or renovation. (Available for purchase as an additional coverage.)

Workers’ compensation

In the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy.)

Completed operations coverage

For third-party claims alleging bodily injury and/or property damage caused by your business’s completed work.

Contractors Errors or Omissions

If the work you perform was done incorrectly or negligently. (Available for purchase as an additional coverage.)

Even More Coverage

Here are some of the extra ways that ERIE contractors insurance goes above and beyond.


Data Breaches

To notify and assist affected individuals and provide your business with crisis resolution services. (Available for purchase as an additional coverage on select policies.)

Sewer and Drain Backup

To cover a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump. (Available for purchase as an additional coverage.)

Electronic Data Coverage

To cover loss from a computer virus that corrupts your computer system.

Employee Dishonesty

To protect you against employee theft, which is a situation that can be hard to detect and often goes on for an extended amount of time.

Forgery and Alteration

In case someone forges your business checks or fraudulently uses your business's credit or debit card.

Valuable Papers

To restore or replace important financial documents, deeds and more.

Great service is part of the package.

Risk Control

You have access to risk control tools and services to help you identify and reduce common business risks.

Your Local ERIE Agent

Your independent ERIE agent is there for you from quote time to claim time and every time in between.

Early Return-To-Work Program

We help your injured employees receiving workers’ compensation benefits resume meaningful employment as soon as they are medically able.


 If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service.  With ERIE, you have claims service that’s: 



ERIE has claims offices throughout its territory, so help is always close by.


Quick to respond

Reimbursement for smaller claims can happen in as little as 48 hours.



Contractors Insurance Quote

Does your business have the right level of protection? If not, let’s talk.

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