Whether you’re managing custom home builds, tenant improvements, or full commercial renovations, general contracting comes with serious risks. At Abbott Insurance, we help Kansas City general contractors get the coverage they need—without overpaying or missing critical exposures.

We’ll walk you through the process, help you avoid common mistakes, and make sure you’re set up to handle audits confidently when the time comes.

If any of the following describes your business, you’re likely considered a general contractor:

• You pull permits or manage job sites
• You hire subcontractors
• You provide project oversight or scheduling
• You work directly with property owners or developers

Even if you subcontract all labor, you’re still on the hook if something goes wrong. We’ll help you build a policy that reflects your real-world exposure.

General contractors often need more than just basic liability. Here’s a look at common coverages:

General Liability Insurance
Protects against claims like property damage or injuries at the job site.

Workers’ Compensation
Required if you have employees—but we’ll also talk through whether owners or family members need to be included or can be excluded.

Inland Marine (Tools & Equipment)
Covers mobile tools and machinery in transit or stored off-site.

Commercial Auto
For trucks, trailers, and vehicles titled to your business.

Builder’s Risk
Covers the structure under construction from fire, theft, or weather damage.

Professional Liability
Important for design-build contractors or those offering in-house plans.

Umbrella / Excess Liability
Offers higher limits for larger jobs or stricter contracts.

💡 Sub costs on your audit catching you off guard?
We’ll show you how to track certs and costs before renewal hits.

💡 Got a contract requiring crazy endorsements you’ve never heard of?
We’ll break it down and help you figure out what’s really needed.

💡 Not sure if you should exclude yourself from Workers’ Comp?
We’ll explain the pros, cons, and paperwork Missouri (and Kansas) require.

💡 Tired of vague class codes that don’t match your actual work?
Let’s fix that now—before an auditor or underwriter does it for you.

1. 1. Quick Call or Online Form
      Tell us what kind of work you do, where, and who’s doing it.
   2. Risk & Rating Review
      We’ll help identify the right class codes and how your premium is calculated (spoiler: it’s not just based on payroll).
   3. Customized Coverage Plan
      You get coverage that fits your operation—not someone else’s.
   4. Get Covered & Go
      We issue certs fast. No delays. No insurance speak.
   5. Stay in the Know
      You’ll know what to expect at audit time, how to keep things clean, and where to turn with questions down the line.

If you’ve been told you need insurance to get on-site and you’re not sure what coverage or endorsements are required? We can help. Schedule a quick appointment here:

Light Commercial Remodelers

Interior tenant finish, office updates, retail buildouts—we get the pace and the paperwork.

Ground-Up Contractors

Large-scale projects? No problem. Let’s talk layers, waivers, and surplus lines.

Residential Remodelers

Kitchens, basements, bathrooms—we’ll protect your job, even mid-project.

Design-Build Firms

Managing both plans and crews? We’ll build you a package that covers both.