Bambee Contractor Insurance 2026
General liability is table stakes—get at least $1M/$2M with professional liability endorsement for any custom or commercial work.
Workers’ comp is mandatory in every state except Texas and New Mexico as of 2026. This coverage pays medical expenses and lost wages when your employees get hurt on the job—no-fault system that means you’re liable regardless of who caused the accident. For contractors running multiple crews simultaneously, this can be a nightmare if you don’t have proper coverage in place before work starts.
The hidden cost isn’t always the premiums—it’s the administrative burden of tracking hours for payroll purposes and ensuring every subcontractor is properly covered under your umbrella policy. Large commercial projects often require proof of workers’ comp before you’re allowed on-site, and delays here can cost thousands in lost productivity. Verify your coverage includes all equipment operators, including those running heavy machinery like excavators and cranes.
