From general contractors to specialty trades, we build comprehensive insurance programs for contractors across Georgia. Get the right coverage to protect your business, meet contract requirements, and keep your projects moving.
Trades We Serve
Core protection for bodily injury and property damage arising from your contracting operations, including completed operations coverage for work after project completion.
Required in Georgia for most contractors with employees. Covers medical expenses and lost wages for workers injured on the job — at any project site.
Covers your owned and rented equipment, tools, and machinery against theft, vandalism, and accidental damage — whether on-site, in transit, or in storage.
Coverage for trucks, vans, and vehicles used in your contracting business — including hired and non-owned auto liability for vehicles you don't own but use for work.
Protects structures under construction against damage from fire, wind, theft, and vandalism. Essential for general contractors and developers managing active projects.
Additional limits above your primary liability policies. Many project owners and GCs require $5M or more in total liability — umbrella coverage makes this affordable.
For design-build contractors and specialty trades offering design services. Covers claims of errors, omissions, or negligent design work.
Bid bonds, performance bonds, and payment bonds required for public and commercial projects. We work with surety markets to get your bonds placed quickly.
Contractors face risks that change with every project — new worksites, new subcontractors, new contract requirements. A one-size-fits-all policy rarely provides the protection you actually need.
As an independent agency, we shop your coverage across multiple specialty carriers to build a program that fits your trade, your project types, and your budget — then we're here year-round when you need certificates, endorsements, or claims help.
Tell us about your trade, annual revenue, number of employees, and the types of projects you work on — we'll find the right coverage at a competitive price.
At minimum, most Georgia contractors need general liability insurance and workers' compensation (if you have employees). Many project owners and GCs also require commercial auto, umbrella coverage, and surety bonds. Specific requirements vary by trade, contract type, and licensing requirements.
Costs vary significantly based on your trade, annual revenue, payroll, claims history, and coverage limits. A small specialty subcontractor might pay $1,500–$5,000/year for GL, while a larger general contractor with workers' comp and umbrella could pay significantly more. We'll shop multiple carriers to find the best rate for your situation.
Absolutely. We issue certificates of insurance quickly and can add additional insureds, waivers of subrogation, and other endorsements required by project owners and general contractors. This is a routine part of what we do.
Yes. We work with both general contractors and subcontractors across all trades. If you're a GC, we can also help you understand your liability exposure for uninsured subs working on your projects.
Contact Fallaize Insurance Agency today for a no-obligation review of your current coverage and a competitive quote.