Builder's insurance for larger jobs
Larger work changes the shape of the bill. The coverages are the same but the limits are higher, the payroll is bigger and the contracts add requirements you have to price into the bid.
Roofing, excavation and anything at height price far higher than interior finish work. The single largest factor.
Workers compensation is priced per hundred dollars of payroll, so it scales directly with headcount and wages.
General liability is priced on revenue, so two contractors with the same headcount can pay very different amounts.
Every state has its own rates and rules. Working across a state line means reporting payroll there.
Claims and injuries follow you for years through your experience modification rate.
How much you sub out, and whether those subcontractors genuinely carry their own coverage, changes your exposure materially.
The most expensive mistake on larger work is winning a job and then discovering the insurance requirements. A contract demanding five million in limits, a wrap up programme you have to buy into, and a performance bond is a materially different cost base from the same job without them. Builders who price the work first and the insurance second regularly find that a contract they were pleased to win is worth less than the small jobs they were doing before.
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Tell us your trade, payroll and the states you work in. A licensed specialist will come back with real numbers.
