General Liability and beyond
The foundation of contractor coverage.
General liability is the starting point for most contractors — covering bodily injury, property damage, and completed operations if something goes wrong on a job or after it's finished. Depending on your work, you may also need commercial auto, workers compensation, inland marine for tools and equipment, and professional liability if you provide advice or consulting as part of your services. We work through each coverage area with you so nothing critical gets missed.
BOP vs Standalone coverage
One policy or several?
For contractors with employees and a physical operation, a Business Owners Policy can bundle general liability, property, and business income coverage into a single streamlined policy — often at a lower cost than buying each piece separately. For larger or more complex operations, standalone policies give you more flexibility to match coverage to your specific risk. We help you figure out which structure makes sense before you commit.
Ag and commercial contractors
Working on farms and agricultural properties?
Contractors who work on farms, ranches, and ag facilities face exposure that doesn't always fit neatly into standard contractor policies. Equipment, structures, and operations on agricultural properties carry their own set of risks — and we understand both sides of that equation. If your work takes you onto ag ground, it's worth making sure your coverage follows you there.
The Graybeal difference
Let's make sure your coverage matches your work.
Every contractor's risk is a little different. Let's talk through your trade, your operation, and make sure you're covered from the first day on the job to well after it's done.
Our recent news
Latest news & articles.
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Grain Bin and Storage Structure Coverage: What Farm Policies Include (and Exclude)
Grain bins and on-farm storage structures represent some of the largest capital investments on a modern grain operation. A single commercial grain bin can cost $50,000 to $150,000 or more depending on size and features. Grain drying systems, augers, conveyors, and the pads and foundations that support them add more.…
