General Liability
Core protection for bodily injury and property damage arising from your contracting operations, including completed operations coverage for work after project completion.
Contractor Insurance Program
Contractors Insurance
From general contractors to specialty trades, we build comprehensive insurance programs for contractors across Georgia. Get the right coverage to protect your business, meet contract requirements, and keep your projects moving.
Coverage for the Job
Insurance built for how contractors work
Workers' Compensation
Required in Georgia for most contractors with employees. Covers medical expenses and lost wages for workers injured on the job — at any project site.
Contractor's Equipment
Covers your owned and rented equipment, tools, and machinery against theft, vandalism, and accidental damage — whether on-site, in transit, or in storage.
Commercial Auto
Coverage for trucks, vans, and vehicles used in your contracting business — including hired and non-owned auto liability for vehicles you don't own but use for work.
Builder's Risk
Protects structures under construction against damage from fire, wind, theft, and vandalism. Essential for general contractors and developers managing active projects.
Umbrella / Excess Liability
Additional limits above your primary liability policies. Many project owners and GCs require $5M or more in total liability — umbrella coverage makes this affordable.
Professional Liability
For design-build contractors and specialty trades offering design services. Covers claims of errors, omissions, or negligent design work.
Surety Bonds
Bid bonds, performance bonds, and payment bonds required for public and commercial projects. We work with surety markets to get your bonds placed quickly.
Trades We Serve
Coverage across Georgia trades
General ContractorsElectrical ContractorsPlumbing & HVACRoofing ContractorsPainting & DrywallLandscaping & ExcavationConcrete & MasonryFlooring & TileCarpentry & MillworkSpecialty Trades
Why Fallaize
Insurance Built for How Contractors Work
Contractors face risks that change with every project — new worksites, new subcontractors, new contract requirements. A one-size-fits-all policy rarely provides the protection you actually need.
As an independent agency, we shop your coverage across multiple specialty carriers to build a program that fits your trade, your project types, and your budget — then we're here year-round when you need certificates, endorsements, or claims help.
- Access to contractor-specialist carriers
- Fast certificate issuance for project requirements
- Experience with bonding and surety placement
- Coverage for owned, rented, and leased equipment
- Annual reviews as your business and projects grow
Contractor Insurance FAQs
Common questions from contractors
At minimum, most Georgia contractors need general liability insurance and workers' compensation (if you have employees). Many project owners and GCs also require commercial auto, umbrella coverage, and surety bonds. Specific requirements vary by trade, contract type, and licensing requirements.
Get a Contractor Quote
Tell us about your trade, annual revenue, number of employees, and the types of projects you work on — we'll find the right coverage at a competitive price.
Prefer to talk? Call 770-242-8842
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