Contractors Insurance

There are many risks involved with practicing your trade when you’re a contractor. The tools, equipment and building materials are expensive, and there is always a risk of injury when dealing with machinery, no matter how careful you are. At RNI, we care about ensuring your safety, the safety of your employees and the financial stability of your business if any unforeseen accident were to occur. Having a good contractors insurance policy in place is the best way to protect yourself from the cost of any misfortune that could befall your business, and RNI is here to guide you toward the policy that would work best for you.

Coverage Options in a Contractors Insurance Policy

Depending on the nature of your enterprise, our agents may recommend coverage for any of the following:

  • Builder’s Risk: This insures the tools, supplies and equipment you use for your trade in case they were ever stolen or vandalized. It also covers any damage that you or anyone working with you may accidentally cause to a customer’s property while working on it.
  • Electricians Insurance: You’ll be protected if in the course of your work as an electrician there is ever an accident that causes property damage or harm to a customer or third-party.
  • Plumbers Insurance: You’ll be protected if in the course of your work as a plumber there is ever an accident that causes property damage or harm to a customer or third-party.
  • Construction Insurance: You’ll be protected if your work in construction ever causes an accident that results in property damage or harm to a customer or third-party.
  • Independent Contractors Insurance: It’s a good idea for independent contractors to have liability insurance the same way formal businesses do to protect themselves from lawsuits based on injury or property damage.

No matter what type of contracting work you do, our agents will always recommend the contractors insurance policies that include coverage for workers’ compensation, general liability and commercial auto to ensure you’re fully protected.

Complete the brief form you see to the right, and someone will contact you within 24 hours to walk you through what contractors insurance policy would work best for your business. We pride ourselves on integrity and offering each of our clients personalized service. Once you’re an RNI client, we promise to use our knowledge and expertise to guide you toward success the same way we would our own business. Let’s get started!

Contact us!


You’ve worked hard to build a great life for yourself and those you love. Let us help you protect what’s most important.


It’s stressful managing a business that’s always on the move. With RNI, you can be confident that your team and your products reach their destination safely and on time


It isn’t easy running a successful business. We’ll give you the tools you need to protect what you’ve worked tirelessly to build.


Dear Mr. Nelson, Wow! What a pleasure to meet you! You really surprised us by coming to our little company. It is such a welcoming feeling to know the ladies we usually deal with have such a gentleman to work for. We enjoyed having full circle of help for our company. Although we may be small, hopefully we will grow. We really enjoyed Cathy and her information. Please stop by anytime. Thank you for lunch too. Many thanks, Cecila


I’ve got nothing but good things to say about Raymond Nelson Insurance Agency Inc., my Agent, Linda Wood and the team at RNI. I had lost all faith in insurance companies until that disaster with a former agency. Linda Wood at RNI stepped in and picked me up when I was down and restored my faith in Insurance Agents. There are some really great people out there who truly do appreciate my Business.

Billy Fannin

The last thing you want to have to worry about after a catastrophic event is the timeliness of your insurance company to put things back to normal in your life.

In June of 2019, our family, by the grace of God, survived a horrific tornado, however our home, car, workshop and personal belongings did not. After the initial shock, we immediately called to report our claim. We are insured with Raymond Nelson Insurance and Safeco and within minutes of us filing the claim, we were contacted by an adjuster. One adjuster drove from Louisville and the other from Cincinnati the next morning to sit down and discuss the next steps of getting our lives back in order.

They made us feel like a part of their family. On a scale of to 10 we will definitely give them a 10.5! We never had to question them about anything and trusted them 100%. We are recommending Raymond Nelson Insurance to our friends and family!

Alicia & Bryant Bond

Thanks for all of your work on our insurance! Have an awesome day!

Kristi and Larry / CHT, LLC