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                    Contractors Insurance

                    From property damage that covers tools to contractor liability insurance, ERIE offers a special mix of policies, endorsements and services which gives your business the protection it really needs.

                    Your Risks, Our Solutions

                    Business Insurance from ERIE Has You Covered

                    Contractor Liability Coverage

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

                    Pollution Liability Coverage

                    If you become legally liable for injury or property damage caused by a pollution incident.  (Available for purchase as an additional coverage.)

                    Professional Liability Coverage

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

                    Coverage for Property Losses

                    For property that is damaged by theft, water damage, fire, lightning, wind, vandalism or other covered perils, as well as funds to rent an alternate space while your business is being repaired.

                    Contractors Tools and 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, supplies and fixtures in storage, transit, or being installed as part of a new construction or renovation job. (Available for purchase as an additional coverage.)

                    Workers’ Compensation Coverage

                    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.)

                    Business Auto Coverage

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

                    Employment Practices Liability Coverage

                    Protection for you and your business in the event an employee claims to have experienced employment discrimination, wrongful termination or sexual harassment. (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.

                    Hired & Nonowned Auto Liability

                    Covers liability arising from autos you lease, hire, or borrow or autos of your employees being used in connection with your business.1

                    Sewer or Drain Backup

                    Covers a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump.2

                    Data Breach Response Expenses

                    To notify and assist affected individuals and provide various case management services.1

                    Ordinance or Law

                    Covers increased costs of complying with building codes which regulate construction and repair of damaged buildings after a covered loss.

                    Employee Theft

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


                    Covers a loss caused by an earthquake.2 

                    1 Available for purchase as an additional coverage on select policies.

                    2 Available for purchase as an additional coverage.

                    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.

                    Claims service you can count on

                    With ERIE, you have claims service that’s local and quick to respond.

                     If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service. ERIE has claims offices throughout its territory, so help is always close by. 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.

                    Ready to get started?