Insurance Built for Contractors & Tradesmen

Specialized coverage for construction professionals across CA, NV, TX, AZ, OR, CO & WA

Hardhat Insurance helps contractors, construction companies, and skilled tradesmen find the right insurance coverage to protect their business, employees, and projects. We specialize exclusively in construction‑related risks and work with multiple top‑rated carriers to match you with coverage that fits your trade, job size, and state requirements.

Insurance services provided by Bearstar Insurance Services.
Representative: Jesus Galvan, Licensed Insurance Broker

Insurance Solutions for the Construction Industry

Contractors face unique risks—jobsite injuries, property damage, contract requirements, and strict state regulations. Generic insurance doesn’t cut it. That’s why Hardhat Insurance focuses only on construction and trades.

We help contractors across the Western United States secure coverage that meets:

• State licensing requirements

• Contract and certificate requirements

• Project‑specific insurance needs

• Budget and risk tolerance

Can I Get a Certificate in 15 Minutes?

Yes. We know that if you can't produce a Certificate of Insurance (COI), you don't get paid and you don't get on the job site. That is why most our COI requests get handled within 30 minutes.

I Need Coverage Now, Can I Get My Certificate Now?

Yes. We Know Time is Money.

We utilize advanced digital quoting tools to bind policies and issue Certificates of Insurance (COI) in minutes, not days.

Types of Contractor Insurance We Offer

General Liability Insurance

Protects against third‑party bodily injury, property damage, and completed operations claims—often required to obtain or renew a contractor’s license.

Workers’ Compensation Insurance

Covers employee injuries and workplace accidents while helping you stay compliant with state labor laws.

Commercial Auto Insurance

Coverage for trucks, vans, and company vehicles used for business operations.

Builder’s Risk Insurance

Protects structures and materials during construction, renovation, or remodeling projects.

Professional Liability (Errors & Omissions)

Coverage for claims related to design errors, professional advice, or services.

Contractor Bonds

License bonds and project‑specific bonds, where available, to meet state and contractual obligations.

Coverage availability varies by state and carrier underwriting guidelines.

General Liability

Surety Bonds

Workers' Compensation

Want to Learn more about a coverage?

Commercial Auto

Builders Risk

Inland Marine (Tools & Equipment)

Excess Liability (Umbrella)

Industries We Serve

We work with a wide range of construction professionals, including:

• General Contractors

• Electricians

• Plumbers

• HVAC Contractors

• Roofers

• Concrete & Masonry

• Framers & Carpenters

• Excavation & Grading

• Painters & Finish Trades

If you work in construction or the trades, we can help assess your risk and coverage options.

Serving Contractors Across the Western United States

Hardhat Insurance works with contractors operating in:

California • Nevada • Texas • Arizona • Oregon • Colorado • Washington

We understand the differences in licensing, insurance requirements, and jobsite risks across these states and help ensure your coverage aligns with local regulations.

Why Contractors Choose Hardhat Insurance

✔ Construction‑focused expertise
✔ Access to multiple insurance carriers
✔ Clear guidance on coverage requirements
✔ Fast certificates of insurance
✔ Personalized, one‑on‑one service

You’ll work directly with a licensed broker who understands construction—not a call center or generic insurance platform.

Schedule a Contractor Insurance Consultation

Speak with a licensed broker who understands construction risks

Book a free consultation to review your business, current coverage (if any), and insurance requirements. We’ll help you identify gaps, compare options, and determine the best path forward—no pressure, just professional guidance.

👉 [Schedule a Free Consultation]