Contractors Insurance


Among a Contractor’s primary concerns is exposure to property damage and injuries to third parties while on a work site. Main Street America’s Main Line Business Owner’s Policy program (Main Line BOP) is designed with the special needs of Contractors in mind, providing all the basic insurance coverages to meet your liability needs.

Examples of Contractors’ classes we provide coverage for, including but are not limited to, the following:

  • Carpentry
  • Carpet and Floor Installation
  • Concrete Construction
  • Electrical Work
  • Heating – Combined HVAC
  • Janitorial Services
  • Landscaping
  • Masonry
  • Painting


Contractors’ liability with limits per project.

Blanket additional insured coverage (for most common contractual requirements).

Limited property of others liability, including faulty workmanship.

Short-term pollution from pollutants at job site

Building and business personal property at replacement cost.

Business income and extra expense when property is insured.

Options for Even Greater Protection

With Main Street America’s competitively priced Inland Marine endorsement, you can receive these additional coverages:

  • Unscheduled Contractors’ equipment - $25,000
  • Leased/rented/borrowed equipment - $100,000/30 days
  • Contractors’ tools at replacement cost
  • Installation coverage (including property on premises, in temporary storage and in transit) - $10,000

Identity Theft Coverage Addresses Growing Concern

Main Street America’s Main Line BOP automatically includes coverage for your business and personal identity information, which addresses one of the fastest-growing concerns of small business owners, including Contractors. Our Identity Theft coverage also includes resolution services to help you restore the reputation of your business should you become a victim.


Why Choose Us

The Main Street America Group was founded in 1923 in Keene, N.H., when the Grange Fraternity created an entity to provide affordable auto liability insurance to Grange Fraternity members. 


Today, Main Street America provides personal lines and commercial lines insurance to “Main Street” individuals, families, and small businesses, as well as fidelity bonds and surety bonds


Our products are offered exclusively through independent insurance agents. We believe that independent agents offer the best value when shopping for insurance because they represent many companies and can find the best combination of coverage, price, and service.


Main Street America’s products and services are backed by financial strength. We write over $1 billion in premium annually and carry an “A” (“Excellent”) Financial Strength Rating and “a+” Issuer Credit Rating from A.M. Best, the insurance industry’s premier rating organization.