--- title: Contractors Insurance | Construction Insurance | Reading, Philadelphia, Lancaster, Allentown description: "Affordable insurance for contractors: construction, builders, HVAC, roofers, carpenters, handyman insurance etc. A Trusted Choice independent agency." --- - [Home](https://www.aigltd.com/) | - [Contact Us](https://www.aigltd.com/contact/) | - [Blog](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa) ![Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance](https://www.aigltd.com/hs-fs/hubfs/PA-Insurance-for-Business-Car-Life-House-Health.jpg?width=1020&name=PA-Insurance-for-Business-Car-Life-House-Health.jpg "Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance") [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo1.png?width=690&name=Mobile-logo1.png)](https://www.aigltd.com/) [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo2.png?width=690&name=Mobile-logo2.png)](https://www.aigltd.com/) # Affordable Contractor, Construction, Builder, Handyman Insurance & More  ![We specialize in affordable contractors' insurance, including builders' risk insurance, construction insurance, handyman insurance, and general contractor liability insurance. We serve the greater Philadelphia, Reading, Berks County, Lancaster, York, Harrisburg, Lebanon, Allentown, Erie, Pittsburgh, PA area and beyond.](https://www.aigltd.com/hs-fs/hubfs/Affordable-Contractor-Construction-Insurance-bnr-750.jpg?width=750&name=Affordable-Contractor-Construction-Insurance-bnr-750.jpg)   ## **Don't Overpay For Contractor Insurance!** At American Insuring Group, we do more than provide you with **affordable contractor insurance**. We perform an in-depth review of your business, including your history and the specific risks inherent in your operation. Then, we compare the costs and types of liability insurance for contractors among many competing carriers, providing you with multiple contractor insurance quotes, and our recommendation on the best choice for your business. The result? You'll get the precise coverage needed at the best possible price. Ready to learn more? Then click below to contact us online, or **call us at (610) 775-3848 or (800) 947-1270** to speak with a contractor insurance specialist. Or, you can request a contractor insurance quote using our online process.   ![Free-Insurance-Quote](https://www.aigltd.com/hs-fs/hubfs/Free-Insurance-Quote.png?width=2&name=Free-Insurance-Quote.png)[![Contact us today for a free contractor insurance price quote](https://www.aigltd.com/hs-fs/hubfs/Free-Insurance-Quote.png?width=250&name=Free-Insurance-Quote.png)](https://www.aigltd.com/business-insurance-quotes)   ---   **Our Goal: Understand Your Needs, Then Help You Make The Best Insurance Choice** Finding the right contractor insurance and related types of insurance for builders, roofers, carpenters and general contractors is no easy task.  While it may be tempting to focus solely on the premium cost, it’s very important to do your homework to ensure that you are properly covered. Buying the wrong insurance can result in severe financial loss in the event of a major accident or claim.  That’s why our goal is to understand your business and its associated risks, and then to present you with a range of appropriate insurance options to protect your business at a reasonable cost in both the short and long term.   ## **Understanding the True Cost of Insurance for Contractors, Builders, and Related Businesses** ### **Contractor Insurance Cost Calculation** The total premium you pay should not be your starting point. Focus instead on what makes up the premium. Premiums are calculated based on your revenue (sales) or on your payroll. A premium from one insurer may be artificially low if based on inaccurate payroll or revenue figures. Keep in mind that any estimates will later be verified against actual payroll or revenue figures. To accurately compare your final cost among insurers, be sure you know the rate that each insurer will apply to your payroll or revenue figures to calculate your premium.  **Factors Impacting the Cost of Contractor Insurance** ![Know the factors affecting your contractors insurance or builders risk insurance rates. We provide affordable contractors' insurance of all types, including handyman insurance, HVAC, carpentry, and general liability insurance for Philadelphia, Reading, Lancaster, Harrisburg, Allentown, York, PA and beyond.](https://www.aigltd.com/hs-fs/file-1574130704-jpg/images/contractor-construction-insurance-reading-philadelphia-pa-300.jpg?width=300&name=contractor-construction-insurance-reading-philadelphia-pa-300.jpg)Regardless of your specific type of contracting insurance, there are several factors that can have a significant impact on your insurance cost. These include: > - **Claims History**: > Insurers will examine your claims history for at least the past three years, and as long as seven years, depending on the insurer. > - **Nature of Work and Risk**: > This is based on the type of work you provide, and the risk your insurer associates with that work. For example, insurance for an HVAC contractor will likely have a lower risk associated with it than insurance for a roofing contractor. > - **Liability Limit**: > This refers to the liability limit of the contractor insurance, which is normally stated as a per-incident limit. For example, $2,000,000 vs. $1,000,000. > - **Loss Type**: > This refers to the types of losses that are covered, such as bodily injury and property damage. > > [![Get a free price quote on insurance for contractors, builders, handyman services and more! Serving Philadelphia, Reading, Lancaster, Allentown, Harrisurg, PA and beyond!](https://www.aigltd.com/hs-fs/hubfs/free-pa-insurance-quote-c.jpg?width=250&name=free-pa-insurance-quote-c.jpg)](https://www.aigltd.com/business-insurance-quotes) ---   ## **Keeping it Honest: Preparing for the Contractor Insurance Audit** Your insurance provider may perform an audit on a regular basis to confirm your revenue and payroll figures, and adjust your premiums accordingly.  Therefore, short run savings achieved from gaming your estimated payroll or revenue will backfire later. It’s much better to estimate revenue and payroll figures honestly and accurately up front, and use the same figures when comparing contractor insurance quotes among various insurance providers.   --- ## **Here's How We'll Help You Save BIG on Contractor Insurance **   ![Contact us to save on contactor insurance, including builders risk insurance, construction insurance, handyman insurance, garage liability insurance and more.](https://www.aigltd.com/hs-fs/file-16777599-jpg/images/save-on-pa-house-insurance-175.jpg) Unlike many agencies that sell only one brand of insurance and are beholden to that company, we are a Trusted Choice independent insurance agency. That means we are free to offer not just one but ***many*** competing brands of insurance. We’ll start by taking a close look at your business and will recommend the proper types of coverage. Then, armed with that information we’ll shop many competing insurance brands to give you the best insurance protection at the best price.   ***We do exhaustive research for you! You can rest assured that you will get a great value for your insurance dollar***!    [![Contact us today to save on contractor insurance and builders risk insurance](https://www.aigltd.com/hs-fs/hubfs/Contact-Us-For-Insurance-300.jpg?width=250&name=Contact-Us-For-Insurance-300.jpg)](https://www.aigltd.com/contact)![Contact-Us-For-Insurance-300](https://www.aigltd.com/hs-fs/hubfs/Contact-Us-For-Insurance-300.jpg?width=2&name=Contact-Us-For-Insurance-300.jpg) To get started with the right contractor insurance for your business please [**click here to contact us**](https://www.aigltd.com/contact/), or call us at **(800) 947-1270** or **(610) 775-3848**. Whether its general contracting insurance, construction insurance, contractor workers comp, carpentry, HVAC, handyman or any other type of insurance, we have you covered! Contact us today!  ### --- Contractor Insurance Tips to Protect Your Business ### Your Trusted Choice for Contractor Insurance ![Trusted Choice Insurance Agent for Restaurant Insurance in Berks County, Pennsylvania](https://www.aigltd.com/hs-fs/file-16782309-jpg/images/trusted-choice-independent-insurance-agent-reading-pennsylvania-175-a.jpg)             Trust American Insuring Group to provide the best value in affordable and reliable contracting insurance including: - Construction insurance - Builders' risk insurance - HVAC insurance - Roofer insurance - Garage liability insurance - Handyman insurance - Plumbers' insurance - and more! Our independence and high standards are two reasons why American Insuring Group provides the best insurance rates combined with high-quality insurance protection for your business. ---   ### Call Us To Save on Contractors' Insurance! ![We can quote up to 25 insurance companies with a single call, so contact us today!](https://www.aigltd.com/hs-fs/hubfs/Get-25-Insurance-Quotes.png?width=302&name=Get-25-Insurance-Quotes.png) **We Represent Over 25 Insurance Companies To Bring You the Most Affordable Contractor Insurance Coverage!**   [**![We provide contractor and construction insurance quotes for businesses in Berks County, PA, Philadelphia, Lancaster, Harrisburg, Allentown, York, Pennsylvania](https://www.aigltd.com/hs-fs/hubfs/Free-Insurance-Quote.png?width=300&name=Free-Insurance-Quote.png)**](https://www.aigltd.com/business-insurance-quotes) **(610) 775-3848 Toll Free: (800) 947-1270** **Reliable, Affordable American Insuring Group** ---   ### **Receive Our Valuable Guide: 7 Things You Must Know to Protect Your Business**   [![Download our Commercial Insurance Guide Book: 7 Things You Must Know to Protect Your Business](https://no-cache.hubspot.com/cta/default/124864/d0112e5b-3299-4f86-959a-8a1f47f1956c.png)](https://cta-redirect.hubspot.com/cta/redirect/124864/d0112e5b-3299-4f86-959a-8a1f47f1956c) ![Pennsylvania Insurance Agency - Affordable Contractors Insurance for Reading PA, Philadelphia, Lancaster, Allentown, Harrisburg, York, Pittsburgh, and Erie PA](https://www.aigltd.com/hs-fs/file-16772509-png/images/line-1020-01.png) Serving Pennsylvania with affordable car, life, health, homeowner’s, renter’s, business, commercial, and other types of property insurance for over 30 years. Philadelphia, Pittsburgh, Allentown, Erie, Reading, Scranton, Bethlehem, Lancaster, Harrisburg, Altoona, York, & State College Pennsylvania areas. [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](https://www.facebook.com/American-Insuring-Group-Ltd-229692490403872/) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](https://www.linkedin.com/in/david-ross-91063918/) © 2015 American Insuring Group, LTD