All states

Contractor liability, state by state

Same trade, same payroll, different state, materially different price. Here is why.

Quote for my state

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Every state you operate in

Trade and classification

Annual payroll

Subcontractor use

Where we see the biggest price differences

Three structural factors explain most of the state-to-state variation.

Catastrophe exposure is the largest single factor. A roofer in a wind-exposed coastal state pays several times what the same roofer pays inland, because a single storm can generate claims across an entire book of business.

Construction defect statutes come second. In states with long statutes of repose and generous defect remedies, carriers price in the cost of defending claims that surface years after completion.

Workers compensation structure is third. States with monopolistic funds or unusual exemption rules change how contractors package their coverage, which in turn changes what a general liability program should look like.

Tell us every state you work in. Multi-state policies price off the highest-exposure state on the schedule.

State questions

Do I need to file my certificate with the state?

In some states yes, in most no. It depends on whether you hold a license and what the board requires.

Can one policy cover multiple states?

Yes. All states you operate in are listed on the schedule.

Why did my rate change when I added a state?

The premium adjusts toward the exposure in the new state, which may be higher or lower than your home state.

State-specific items to verify

The statutory minimum limits, which are not the same as the contract requirement

Whether the certificate must be filed with the licensing board

Whether the state is monopolistic for workers compensation

Any construction defect statute that affects completed operations wording

How states differ for contractors

The differences are structural, not cosmetic.

Factor	What varies
Minimum limits	Set by statute in some states, left to the contract in others
Market appetite	Admitted carriers compete in most inland states; coastal states push to surplus lines
Construction defect law	Aggressive statutes drive up underwriting questions and price
Filing rules	Some states require certificates filed with the licensing board
Workers comp rules	Exemption availability and monopolistic state funds vary widely

Get a state-specific quote

List the states you work in and we will quote against the highest exposure.