Builder/contractor hammering

Select Contractors

When you're on the job site, you're focused on safety and getting the work done right. With Hastings Mutual, you won't need to worry about insurance coverage.


Coverage Highlights

Broadened Coverage 

This coverage helps if there’s damage to property used by you or your employees that belongs to someone else. It has a limit of $2,500 per occurrence, with a $100 deductible.

Builders Risk and Installation Floater 

“Floater” coverage is for anything that floats, or moves from place to place — like your supplies and machinery. It also covers damage to the structures you’re working on, including scaffolding, foundations, and more. This has a limit of $5,000, with a $250 deductible.

Portable Tools 

Coverage on your tools has a limit of $1,000 per tool, to a maximum of $2,500. It also has a $500 deductible.


Related Coverages

Commercial Auto Icon


Coverage for your work vehicle or an entire fleet.

Commercial Umbrella icon - umbrella with brief case


Additional coverage when you need to go above and beyond your regular policy.

Errors & Omissions Icon

Errors &

What you need when something you didn't expect goes wrong.

Workers' Compensation icon


Protect yourself and your staff if there's an injury or disability on the job.


Business Sizes

Select Contractor I

  • 5 or fewer full-time employees
  • Less than $2 million in gross receipts
  • No more than 30% sub-contracted to others

Select Contractor II

  • 6 to 50 full-time employees
  • Less than $15 million in gross receipts
  • No more than 50% sub-contracted to others

Example Business Classes

  • Driveway, sidewalk, or parking area paving
  • Electrical wiring within buildings 
  • Heating and air conditioning
  • Landscape gardening
  • Masonry
  • Plumbing (residential and commercial)


Get a quote now!

Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.

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The Safety Tool For Every Contractor

Aug 7, 2019, 2:04 PM

Before your work begins, make sure you and your customer are covered.

There are contractors for every part of the house — from electrical work to basement plumbing. But not much can be done on a house until there’s a frame in place to build on.

Between April 2018 and April 2019, total building permits for Illinois increased 19% (throughout northern Illinois, in the Rockford, Kankakee, and Champaign-Urbana areas). They increased in Michigan 8% over the same time, mainly on the state’s west coast in the Niles and Grand Rapids areas. Framing contractors, like many residential contractors, are staying busy in our six-state marketing region.

Framing Contractor Commercial

They also need appropriate protection for themselves, their business, and their crew. Because they’re so key to so many construction projects, some of the most fundamental business insurance coverages are ideal for framing contractors. They include:

Select Contractors Package Policy

This policy can cover damage to equipment, like tools, machinery, and the structures your team is working with.  This policy can also provide comprehensive liability for your business.

Commercial Auto

Construction crews use trucks, vans, and more to get from job to job. Those vehicles need the same protection as a personal vehicle, and maybe even more, since several people may be behind the wheel. From a broken windshield to a fender bender, we’ve got you covered!

Workers’ Compensation

Many employers are responsible for workers’ compensation for their entire team. We specialize in workers’ compensation coverage for small businesses; talk to your agent about the coverage that will fit your company.

If you’re a contractor, a client has probably asked you about your insurance coverage. The Federal Emergency Management Agency even suggests that property owners ask their contractor if they have general liability and workers’ compensation coverage before agreeing to any work:

“For your protection, verify that anyone you are considering has a general liability insurance policy by asking for a copy of their insurance certificate, checking the expiration dates, and calling the issuing authority to verify their insurance is valid.”

With insurance coverage from Hastings Mutual, you will be able to answer “yes” to those questions — and protect your customers and yourself. Talk to your independent insurance agent about the best coverage option for you and your business.

The Mutual Understanding blog and Hastings Mutual videos are made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.

© 2019 Hastings Mutual Insurance Company. All rights reserved.

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