Coverage
Contractor bond cost calculator
Premium from bond amount and credit tier, with the state's required amount.
OpenBonds & insurance
6 tools · 7 guides · 6 comparisons
The surety bond a board demands, the general liability a general contractor demands, and the workers' comp a state demands — with the numbers that set each premium.
Four different parties ask a contractor for cover, and each asks for something different. The licensing board asks for a surety bond — the surety bond guide explains how that promise works and the bond cost calculator prices it. A project owner asks for contract bonds, compared in performance vs payment vs bid bonds and priced in the performance bond calculator.
The general contractor above you asks for general liability, usually with the two endorsements set side by side in waiver of subrogation vs additional insured, proved on a certificate of insurance. The state asks for workers’ comp. If you are the one hiring, subcontractor insurance requirements turns all of that into a clause, and what contractor insurance costs explains what moves each premium.
Tools
Coverage
General liability insurance calculator
A GL premium band from payroll, receipts and class of work.
OpenCoverage
Workers' comp premium calculator
Payroll ÷ 100 × class rate × experience modification rate.
OpenCoverage
Certificate of insurance request sheet
An ACORD-25-shaped sheet you hand your agent so nothing comes back wrong.
OpenCoverage
Builders risk insurance calculator
Completed value, term and deductible turned into a premium band.
OpenCoverage
Performance bond cost calculator
Contract price through your surety's sliding rate schedule, band by band, into a premium.
OpenGuides
- General liability insurance for contractorsWhat it covers, the limits GCs ask for, and the exclusions that bite.2026-09-04
- Contractor surety bonds: how they actually workLicense bonds, performance bonds, underwriting and what a claim does to you.2026-09-04
- Builders risk insurance explainedCourse-of-construction cover, who buys it and what it will not pay for.2026-09-04
- Workers' comp for contractorsClass codes, the e-mod, exemptions, and uninsured subcontractors.2026-09-04
- Reading a certificate of insuranceACORD 25 line by line: additional insured, waiver of subrogation, dates.2026-09-04
- What contractor insurance costsEach line of cover, what drives its number, and where the quotes diverge.2026-09-04
- Subcontractor insurance requirementsWhat a GC should require of every sub, the clause to put it in, and the 1099 test.2026-10-18
Comparisons
- Best surety bond companies for contractorsFive sureties by Treasury limit, the bonds each writes and how you reach it, and how to check the one on your bond.2026-10-26
- Surety bond vs general liability insuranceTwo different promises to two different people — and why you need both.2026-09-04
- Occurrence vs claims-made policiesTrigger, tail, and which one a general contractor's contract will accept.2026-09-04
- Waiver of subrogation vs additional insuredTwo clauses a subcontract asks for together — who each protects, and what each changes after a loss.2026-10-18
- Performance bond vs payment bond vs bid bondThe three contract bonds: who each protects, when each is called, and the Miller Act deadlines.2026-10-18
- General liability vs professional liabilityInjury and damage against a design or advice error — and which contractors need E&O.2026-10-18
Not legal advice — verify with the board that issues your license. Every figure on the pages above carries the regulator page it was read from and the date we read it.