Contractor Insurance Built for the Trades — From a Local Agent Who Picks Up the Phone
Contractor insurance Evansville businesses depend on isn't just about checking a box for the GC. It's about making sure you're genuinely protected when something goes wrong on the jobsite — and that your coverage keeps pace with the kind of work you actually do. We represent Erie Insurance, Progressive, and other carriers so we can match your trade, your crew size, and your risk profile to the right policy, not just the most convenient one.
What Contractor Insurance Covers
General liability is the foundation — it covers third-party bodily injury and property damage that occurs during your work. But most contractors need more than that, and we build programs that reflect the full picture of your business.
- General liability: Protects you when a client, property owner, or bystander suffers injury or property damage tied to your operations.
- Workers' compensation: Covers your employees if they're injured on the job — required under Indiana law once you have a single employee, and often required by GCs even before that threshold.
- Commercial auto: Personal auto policies don't cover trucks and vans used for business. Commercial auto protects your vehicles, your tools in transit, and your drivers.
- Tools and equipment coverage: Replaces or repairs the gear your business depends on when it's stolen from a jobsite or damaged in transit.
- Builders risk: Covers structures under construction against fire, wind, theft, and other losses before the project is complete.
- Contractor bond: Some jobs and licensing requirements call for a surety bond alongside your insurance — we can help you understand what's required and get it in place.
Same-Day Certificates of Insurance — No Call Center, No Runaround
Losing a job because your COI didn't arrive in time is one of the most preventable problems in the trades. When a general contractor or property owner needs proof of your coverage before work starts, we issue certificates of insurance directly from our local office. You're not waiting on hold with a 1-800 number or submitting a web ticket to someone three states away. You call us, we handle it.
This is one of the most consistent things we hear from contractors who switch to us: the difference between a local agent and a national lead form shows up exactly when the pressure is on.
Trades We Cover in Evansville and Southern Indiana
We write contractor insurance for a wide range of trades and specialties across Vanderburgh County, Warrick County, and the surrounding region. Every trade carries its own exposure profile, and we write coverage that reflects yours — not a generic policy built for the average contractor.
- General contractors and construction managers
- Roofing contractors
- Electrical contractors
- Plumbing and HVAC trades
- Framing and carpentry
- Concrete and masonry
- Painting and drywall
- Landscaping and site work
- Specialty subcontractors
If your trade isn't listed here, reach out — tradesman insurance is a core part of what we do, and we work with a range of carriers to find the right fit.
A Contractor's Agent — Down the Road, Not in a Call Center
Hahn Insurance Agency has been serving the Evansville area for years, and contractors make up a meaningful part of our commercial book. We show up in person when it matters — including at claims — and we're reachable during business hours without navigating a phone tree. Our 4.9-star Google rating with over 100 reviews reflects the kind of service we aim to deliver on every account, commercial or personal.
If you're ready to get a quote, or if you just want to talk through what your coverage should look like, we're easy to reach.
Contractor Insurance Questions — Answered
Do I need contractor insurance if I'm a sole proprietor or one-person operation?
Yes. Even without employees, you're exposed to general liability claims if your work causes property damage or injury to a third party. Many GCs and property owners won't allow you on a jobsite without proof of coverage, regardless of how small your operation is.How fast can you issue a certificate of insurance?
In most cases, same day. Once your policy is in place, we can issue a certificate of insurance directly from our local office when you need one. We're not routing your request through a national service center — you call us, and we take care of it.Is workers' comp required for contractors in Indiana?
Indiana law requires workers' compensation coverage for any employer with one or more employees. Beyond the legal requirement, most general contractors require proof of workers' comp before allowing subcontractors on their jobs — both to limit their own liability and to meet their own policy conditions.What's the difference between a contractor bond and general liability insurance?
They serve different purposes. General liability insurance covers third-party claims for bodily injury and property damage. A contractor bond — typically a surety bond — guarantees that you'll complete the work or fulfill a contractual obligation. Some licensing requirements and project contracts require both. We can help you understand what's required for your trade and jurisdiction.Can you cover contractors who work in multiple counties or across state lines?
Yes. We serve contractors across Vanderburgh, Warrick, Posey, Gibson, and Spencer counties, and we can discuss coverage for work that crosses into Kentucky or Illinois as well. The important thing is to make sure your policy accurately reflects where you work — gaps in territory or scope are one of the more common coverage problems we see when contractors switch to us.
A Contractor's Agent — Down the Road, Not in a Call Center
Hahn Insurance Agency has been serving the Evansville area for years, and contractors make up a meaningful part of our commercial book. We show up in person when it matters — including at claims — and we're reachable during business hours without navigating a phone tree. Our 4.9-star Google rating with over 100 reviews reflects the kind of service we aim to deliver on every account, commercial or personal.
If you're ready to get a quote, or if you just want to talk through what your coverage should look like, we're easy to reach.