As winter fades and construction season ramps up across Connecticut, contractors begin preparing for a busy schedule of spring and summer projects. Before bidding on new work or stepping onto a job site, it’s critical to make sure your insurance coverage is up to date and compliant with Connecticut regulations.

For contractors, the right insurance policies do more than protect your business—they help you secure contracts, meet legal requirements, and build trust with clients.

General Liability Insurance

General liability insurance is one of the most essential policies for Connecticut contractors. This coverage protects your business if a third party claims property damage or bodily injury caused by your work.

For example, if a ladder falls and damages a client’s property or a visitor is injured on a job site, general liability coverage can help pay for legal costs, medical bills, and settlements.

Many project owners and general contractors require proof of general liability insurance before allowing contractors to begin work.

Workers’ Compensation Insurance

If you have employees in Connecticut, workers’ compensation insurance is typically required by law. This policy provides coverage for medical expenses and lost wages if an employee is injured while performing job duties.

Construction and contracting work carries inherent risks, making workers’ compensation a critical protection for both employees and business owners.

Without proper coverage, contractors may face significant fines and liability if an employee is injured on the job.

Commercial Auto Insurance

Many contractors rely on trucks, vans, and work vehicles to transport equipment and materials to job sites. Personal auto policies usually do not cover vehicles used for business purposes.

Commercial auto insurance provides protection if one of your business vehicles is involved in an accident while traveling to or from a job site.

Proof of Insurance for Project Bids

Many construction projects require contractors to submit proof of insurance before being awarded a contract. Having the correct policies in place can make the difference between winning and losing a project bid.

Proper coverage also demonstrates professionalism and reliability, giving clients confidence in your business.

Preparing Your Business for the Busy Season

Spring is the time when construction activity across Connecticut accelerates. Reviewing your insurance coverage before the season begins ensures your business is protected, compliant, and ready to take on new opportunities.

Working with an experienced insurance advisor can help contractors identify coverage gaps and choose policies that align with their business operations.

If you’re a contractor preparing for spring projects, the team at Petruzelo Insurance can help review your policies and ensure your business has the protection it needs for the busy season ahead.