Coverage
Bond premium calculator
Premium from bond amount and credit tier, with the state's required amount.
OpenBonds & insurance
5 tools · 6 guides · 2 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.
Tools
Coverage
General liability 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
An ACORD-25-shaped sheet you hand your agent so nothing comes back wrong.
OpenCoverage
Builders risk calculator
Completed value, term and deductible turned into a premium band.
OpenGuides
- General liability insurance for contractorsWhat it covers, the limits GCs ask for, and the exclusions that bite.09 2026
- Contractor surety bondsLicence bonds, performance bonds, underwriting and what a claim does to you.09 2026
- Builders risk insuranceCourse-of-construction cover, who buys it and what it will not pay for.09 2026
- Workers' comp for contractorsClass codes, the e-mod, exemptions, and uninsured subcontractors.09 2026
- Reading a certificate of insuranceACORD 25 line by line: additional insured, waiver of subrogation, dates.09 2026
- What contractor insurance costsEach line of cover, what drives its number, and where the quotes diverge.09 2026
Comparisons
Not legal advice — verify with the board that issues your licence. Every figure on the pages above carries the regulator page it was read from and the date we read it.