LaRue Insurance, Hodgenville, Kentucky & Bardstown, Kentucky
HODGENVILLE PHONE 270-358-3101
BARDSTOWN PHONE 502-348-0050

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21 Contractor Insurance

LaRue Insurance offers a range of insurance programs specifically tailored to the needs of home builders, commercial contractors, remodelers and trade contractors.

Programs are underwritten by several companies including Zurich Insurance, which insures over 120,000 contractors and has been recognized for over 30 years as the nation's authority in providing insurance solutions to meet the complex needs of the construction industry.

The tables below outline highlights of selected programs ...


The Home Builders Insurance Program
  • Designed for general contractors involved in the construction of residential dwellings
  • "Paper" general contractors, who may subcontract up to 100% of their work, are eligible

The Trade Contractors Insurance Program
  • Designed for the needs of small-to-medium size residential and general trade contractors with up to 20 employees
  • Covers 38 diverse trades including carpentry, HVAC, landscaping, painting, tile and stonework, water well drilling, etc.
  • Covers commercial and residential contractors
  • Built in coverage for contractor's equipment and installation
  • Liability coverage automatically includes additional insureds
  • Limited care, custody and control coverage available

The Remodelers Insurance Program
  • Designed for contractors specializing in residential and commercial renovation and remodeling, no matter what percentage of the work is subcontracted
  • Limited care, custody and control coverage available
  • Limited pollution liability
  • Design build liability
  • Customers' property coverage

The Builders Risk Plan
  • Commercial and residential construction coverage available
  • Very broad and flexible program that includes many features commonly excluded from other, similar policies
  • Premium discounts for large builders
  • Job Site Safety Kit provided to all participants to help prevent injuries and reduce losses
  • $10,000 Builders Risk Reward Program to help deter arson, vandalism, and theft at your job site
  • Monthly reporting form allows you to pay only for homes currently under construction
  • Optional endorsement for model home contents
  • Optional endorsement for tools and equipment