Contractor Insurance & Construction Bonds

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Our Services

General Liability

Protects builders and contractors from third-party injury, property damage, and lawsuit claims.

Commercial Auto

Covers company vehicles, work trucks, drivers, accidents, liability, and physical damage.

Inland Marine

Protects tools, equipment, materials, and machinery while in transit, on job sites, or in storage

Builders Risk

Protects construction projects from fire, theft, vandalism, weather damage, and materials loss before completion.

Construction Bonds

Guarantees contractor performance, payment, and bid obligations for public and private construction projects.

Workers Compensation

Covers employee medical bills, lost wages, and work-related injuries required by most states.

Client Testimonials

They handle our insurance and we run our construction bonds through them. They keep it simple which is what we need when we’re trying to keep jobs moving forward

Builders risk can be a pain when every project is different. These guys help us with that, plus our liability and truck coverage.

Fast certificates. Clear answers. No runaround. They help us with our general liability, commercial auto, and workers comp policies and they make it easy to keep it all going.

Responsive, straightforward, and dependable. Exactly what I need from an insurance partner.

About us

After seeing how difficult it can be for contractors to find fast, reliable coverage and the right construction bonds, we created Jobsite Insure to make the process easier, clearer, and more flexible. We specialize in contractor insurance and construction bonds, helping businesses protect their crews, equipment, vehicles, projects, and contracts.

Based in Montana and serving contractors with a high-touch, practical approach, Jobsite Insure combines insurance expertise with an understanding of the construction industry—so you can stay focused on the work, the project, and the next bid.

Our Team

Klinton Jones

Principal Insurance Broker

Desirae Myers

Operations Manager

Our Insurance Carriers

Frequently Asked Questions

What insurance does a contractor need?

Most contractors need general liability, workers compensation, commercial auto, inland marine, and sometimes builders risk or umbrella insurance. Bonded jobs may also require bid, performance, and payment bonds. Coverage depends on your trade, state, employees, vehicles, equipment, and project contract

What does general liability insurance cover for contractors?

General liability insurance for contractors helps cover third-party bodily injury, property damage, legal defense costs, completed operations claims, and advertising injury. It is often required by project owners, general contractors, landlords, and licensing boards.

Do contractors need workers compensation insurance?

Yes. Contractors usually need workers compensation insurance if they have employees, and many states or project owners require it before work begins. Workers comp helps cover employee medical bills, lost wages, disability benefits, and job-related injury claims.

Do subcontractors need their own insurance?

Yes. Subcontractors should carry their own general liability, workers compensation, commercial auto, and tools/equipment coverage when applicable. General contractors often require proof of insurance and additional insured status before allowing subcontractors on a jobsite.

What is commercial auto insurance for contractors?

Commercial auto insurance covers business-owned vehicles, work trucks, trailers, and drivers used for construction operations. It can help pay for liability claims, vehicle damage, accidents, injuries, and losses involving vehicles used for jobsites, materials, or equipment transport.

What is inland marine insurance for contractors?

Inland marine insurance protects contractor tools, equipment, machinery, and materials while they are in transit, stored off-site, or located at a jobsite. It is important because standard property insurance often does not fully cover mobile equipment or jobsite tools

What does builders risk insurance cover?

Builders risk insurance covers buildings and materials during construction or renovation. It commonly protects against losses from fire, theft, vandalism, wind, hail, certain water damage, and damage to materials on site or in transit, depending on the policy

What is a construction bond?

A construction bond is a surety guarantee that helps protect a project owner if a contractor fails to meet contract obligations. Common construction bonds include bid bonds, performance bonds, and payment bonds for public and private construction projects

What is the difference between contractor insurance and construction bonds?

Contractor insurance protects the contractor from covered risks like accidents, injuries, property damage, and lawsuits. Construction bonds protect the project owner or obligee by guaranteeing contract performance, payment, or bidding obligations. Contractors often need both to qualify for jobs.

What is the difference between bid bonds, performance bonds, and payment bonds?

A bid bond guarantees the contractor will honor their bid. A performance bond guarantees the contractor will complete the project according to the contract. A payment bond guarantees subcontractors, laborers, and suppliers are paid. These are commonly required together on public projects.

Can I adjust my coverage if my needs change?

Absolutely. Insurance needs can change over time, and we’re here to help you adjust your policies so that you always have the right coverage in place. Reach out to our team for assistance.