Contractor insurance provides comprehensive coverage to protect contractors from various risks associated with their work. It typically includes general liability insurance, which covers bodily injury, property damage, and third-party claims. It may also include workers’ compensation, which covers medical expenses and lost wages for employees injured on the job. Professional liability insurance protects against claims of negligence or errors in professional services, while equipment and tools coverage helps repair or replace damaged or stolen tools. Additionally, contractor insurance often covers property damage, vehicle accidents, and legal defense costs in case of lawsuits. Some policies may also offer coverage for specific industries, like construction or electrical work, addressing unique risks such as damage to client property or injury to workers. Overall, contractor insurance ensures that businesses are protected from financial losses due to unforeseen events, allowing them to operate safely and confidently.