Business Insurance Solutions Built For Contractors
Midwest Contractors Insurance
At Apex Insurance Solutions, we specialize in providing comprehensive business insurance solutions tailored to the unique risks and needs of contractors. From accidents on the job site to damage to your work in progress, your potential for financial loss is always present. With our deep industry expertise, we’ll help safeguard your business against unexpected loss, while offering flexible policies designed to fit your budget.
Industries We Serve
We proudly serve contractors across a wide range of industries, offering specialized insurance solutions built to address
the specific risks faced by each trade. Our team has experience working with businesses in:
Plumbing Contractor Insurance
HVAC Contractor Insurance
Electrical Contractor Insurance
Masonry Contractor Insurance
Concrete Contractor Insurance
Paving Contractor Insurance
Landscaping Contractor Insurance
Excavation Contractor Insurance
Grading Contractor Insurance
Utility Contractor Insurance
Comm Roofing Contractor Insurance
Sheet Metal Contractor Insurance
Glass & Glazing Contractor Insurance
Fire Sup Contractor Insurance
Drywall Contractor Insurance
Painting Contractor Insurance
Flooring Contractor Insurance
Cabinetry Contractor Insurance
Fencing Contractor Insurance
Cleaning Contractor Insurance
And More...
Plumbing Contractor Insurance
HVAC Contractor Insurance
Electrical Contractor Insurance
Masonry Contractor Insurance
Concrete Contractor Insurance
Paving Contractor Insurance
Landscaping Contractor Insurance
Excavation Contractor Insurance
Grading Contractor Insurance
Utility Contractor Insurance
Commercial Roofing Contractor Insurance
Sheet Metal Contractor Insurance
Glass & Glazing Contractor Insurance
Fire Suppression Contractor Insurance
Drywall Contractor Insurance
Painting Contractor Insurance
Flooring Contractor Insurance
Cabinetry Manufacturing Insurance
Fencing Contractor Insurance
Cleaning Contractor Insurance
And More...
Insurance Coverages
Built for Contractors
General Liability Insurance for Contractors
General Liability Insurance covers injuries and damages your business causes to others.
Whether a leaking plumbing fixture floods a client's house or a passerby is injured at your jobsite, this policy helps cover repairs, medical costs, legal fees, and any settlements or judgements made against you.
Property Insurance for Contractors
Property Insurance covers loss or damages to your business property from fire, theft, vandalism, natural disasters & more.
This policy ensures that your essential resources are protected, allowing your business to continue operating smoothly if something unexpected happens.
Auto Insurance for Contractors
Commercial Auto Insurance covers:
- damages to your vehicles
- damages your vehicles cause to other people or their property
- damages caused by employees who drive their own cars on the job
All states require you to carry commercial auto coverage if your company owns or leases vehicles.
Workers' Comp Insurance for Contractors
Workers' Compensation Insurance:
- covers accidents and injuries on the job
- provides lost wages and medical benefits
- shields you from employee lawsuits
Most state laws require you to carry workers' comp if you have employees. Most of the contracts you sign with your contractors and clients also have minimum limit requirements.
Umbrella Insurance for Contractors
Umbrella Insurance provides extra protection beyond the limits of your other insurance policies, including:
- General Liability
- Commercial Auto
- Workers’ Comp
If a major claim exceeds the limits of your primary policies, your umbrella will take over from there – protecting you from catastrophic claims that could put you out of business.
Tools & Equipment Insurance for Contractors
Contractors' Tools & Equipment Insurance (A.K.A. Inland Marine Insurance) covers damaged or missing tools and equipment.
If your essential tools are stolen, lost, or broken, this policy helps cover the cost of repairs or replacement so you can stay on schedule and avoid costly delays.
Errors & Omissions Insurance for Contractors
Contractors' Errors and Omissions (E&O) Insurance (A.K.A. Professional Liability Insurance) protects your business from claims related to:
- Errors made while performing services
- Omissions in completed work
- Negligence in work performed
- Incorrect Professional Advice provided
If a client alleges that your work didn’t meet expectations or caused them financial harm, this policy helps cover your labor and material costs to redo the work. It also helps cover legal fees and any settlement costs.
Pollution Insurance for Contractors
Contractors Pollution Liability (CPL) Insurance helps protect your business from liability and cleanup costs if your work causes environmental damage, such as contamination or pollution.
Many commercial contracts are starting to require this coverage, and it is often excluded from your General Liability policy.
Cyber Insurance for Contractors
Cyber Insurance protects your business from financial losses resulting from data breaches, cyberattacks, or other online threats.
It helps cover the costs of rebuilding your network, notifying and compensating customers, paying regulatory fines & legal costs, and handling crisis managment and PR.
Insurance Coverages
Built for Contractors
General Liability
General Liability Insurance covers injuries and damages your business causes to others.
Whether a leaking plumbing fixture floods a client's house or a passerby is injured at your jobsite, this policy helps cover repairs, medical costs, legal fees, and any settlements or judgements made against you.
Property Insurance
Property Insurance covers loss or damages to your business property from fire, theft, vandalism, natural disasters & more.
This policy ensures that your essential resources are protected, allowing your business to continue operating smoothly if something unexpected happens.
Auto Insurance
Commercial Auto Insurance covers:
- damages to your vehicles
- damages your vehicles cause to other people or their property
- damages caused by employees who drive their own cars on the job
All states require you to carry commercial auto coverage if your company owns or leases vehicles.
Workers' Comp
Workers' Compensation Insurance:
- covers accidents and injuries on the job
- provides lost wages and medical benefits
- shields you from employee lawsuits
Most state laws require you to carry workers' comp if you have employees. Most of the contracts you sign with your contractors and clients also have minimum limit requirements.
Umbrella Insurance
Umbrella Insurance provides extra protection beyond the limits of your other insurance policies, including:
- General Liability
- Commercial Auto
- Workers’ Comp
If a major claim exceeds the limits of your primary policies, your umbrella will take over from there – protecting you from catastrophic claims that could put you out of business.
Equipment Insurance
Contractors' Tools & Equipment Insurance (A.K.A. Inland Marine Insurance) covers damaged or missing tools and equipment.
If your essential tools are stolen, lost, or broken, this policy helps cover the cost of repairs or replacement so you can stay on schedule and avoid costly delays.
Errors & Omissions
Contractors' Errors and Omissions (E&O) Insurance (A.K.A. Professional Liability Insurance) protects your business from claims related to:
- Errors made while performing services
- Omissions in completed work
- Negligence in work performed
- Incorrect Professional Advice provided
If a client alleges that your work didn’t meet expectations or caused them financial harm, this policy helps cover your labor and material costs to redo the work. It also helps cover legal fees and any settlement costs.
Pollution Insurance
Contractors Pollution Liability (CPL) Insurance helps protect your business from liability and cleanup costs if your work causes environmental damage, such as contamination or pollution.
Many commercial contracts are starting to require this coverage, and it is often excluded from your General Liability policy.
Cyber Insurance
Cyber Insurance protects your business from financial losses resulting from data breaches, cyberattacks, or other online threats.
It helps cover the costs of rebuilding your network, notifying and compensating customers, paying regulatory fines & legal costs, and handling crisis managment and PR.
States Covered
Proudly serving contractors across the Midwestern United States
KS
MO
CO
NE
States Covered
Proudly serving contractors across the Midwestern United States
KS
MO
CO
NE
Why Apex?
Industry Specific Solutions
We grew up in the industry and have hands-on experience working in several trades, so we know firsthand the risks and exposures you face daily. That's why we built our business around protecting yours, so you no longer have to worry about rising premiums, unexpected audit costs, or uncovered claims eating into your profits and putting your livelihood on the line.
Regional Market Representation
Regional carriers are insurance companies that only represent states in the Midwest, therefore eliminating exposure to catastrophic coastal losses.
By specializing in contractors insurance, we have established exclusive partnerships with top-tier regional carriers that also specialize in the industry. This enables us to offer competitive & stable pricing and unmatched coverage options that most agencies simply can't provide.
Proactive Service
Through our industry-tailored proactive services, your coverage will always reflect your current needs, regardless of business growth or shifting risks.
A key part of this is our proactive marketing strategy development. Instead of reacting to last-minute premium renewal increases, we are constantly tracking trends in the marketplace, so we can position you with the right carrier for your operations year-over-year.
Liberty, MO
Our clients say it best.
★★★★★
"Apex stepped in and helped SCA obtain GL & Professional Liability in record speed for our owner’s representation firm for construction advisory. They have been a tremendous resource of knowledge and are prompt to respond to any questions our firm has had going through the process. We appreciate and will continue to support the Apex team as our business continues to grow."
Jeremy N.
Switchgrass Construction Advisors
★★★★★
"I would recommend Apex and their team to anyone looking for insurance for their small business. Apex stepped in our lives and saved us thousands of dollars. We planned to renew with our previous provider thinking it was the right move, but we quickly realized what a great benefit we would see by switching. Not only is saving money a great benefit, but their small business mentality aligned perfectly with ours. Denzel and the team are very easy to work with and their customer service is amazing! They are quick to respond to questions or concerns, and explain everything in a way that actually makes sense!"
Jamie N.
DreamMaker Bath & Kitchen
★★★★★
"I had the opportunity to work alongside the team at Apex, and I was thoroughly impressed. Their professionalism, responsiveness, and clear communication stood out from the start. It’s easy to see why so many businesses trust them for their insurance needs. I’d confidently recommend Apex to anyone looking for knowledgeable and reliable service. Great people doing great work."
Brad S.
AutomationLinks
★★★★★
"Apex and its employees provide exceptional knowledge of the insurance products that are tailored to your business needs. Apex has excellent response time and attentiveness when you have a concern or any business circumstances that arise."
Cindy H.
Urban Electric & Lighting
Frequently asked
questions
What industries do you serve?
We specialize in blue-collar industries, with a primary focus on artisan contractors such as HVAC, plumbing, electrical, concrete, masonry, landscaping, and more. We also serve manufacturing, auto-service, and wholesale businesses.
What is your agency's experience working with contractors?
We are owners serving owners, and we understand the challenges that come with running a business. Prior to starting Apex, our team served various roles in ENR Top 100 General Contracting and AM Best Top 100 Insurance Companies.
As our team grows, we continue to expand this unique blend of experience, ensuring that you always receive practical, tailored solutions that address both industry and business needs—because we’ve been there ourselves.
What types of insurance do you offer?
Our goal is to provide comprehensive coverage that addresses the full scope of your business insurance needs. Below is a list of the services we offer and those we do not:
Included:
✅ Commercial Property & Casualty Insurance
✅ Surety Bonds
✅ Life & Disability Insurance
Excluded:
❌ Health Benefit Programs
❌ Personal Lines (Home and Auto) Insurance
Do you work with multiple insurance providers?
Yes, we are an independent insurance agency, which means we work with a variety of trusted carriers. This allows us to offer competitive pricing and the best possible coverage options tailored to your specific business needs.
How do I know if I'm overpaying for my insurance?
We conduct a detailed policy review and market comparison to uncover potential savings while ensuring you have the right coverage for your business.
How can I reduce my insurance premiums without sacrificing coverage?
In the insurance industry, the general rule of thumb is to monitor your premiums and potentially switch carriers every 2-3 years. If your agent works within the independent network and is doing their job, they should be actively marketing your business and ensuring you get the best value.
In addition to shopping for better rates, there are several strategies to reduce premiums, including proper claims management, risk management services, and alternative risk programs.
If your agent is not providing tangible results from these efforts, it may be time to consider a more proactive approach to your insurance strategy.
How do you handle certificate of insurance (COI) requests?
We handle COI requests quickly and efficiently, with a same-day guarantee. Unlike some agencies that offer "self-service" options, putting the burden on you to review contracts and ensure compliance, we take that responsibility off your plate. Our dedicated team ensures that the appropriate certificates are issued promptly, with the correct coverage details, so you can keep your projects moving forward without delays.
Can I get a quote online, or do I need to meet with someone in person?
Yes, we offer the flexibility to do business virtually when it’s convenient for you. While we’re happy to meet in person if that’s your preference, we also provide secure online solutions for document transfer and quote submission. You can submit all the necessary information electronically, and we’ll ensure a seamless, secure process to provide you with a competitive quote—all without needing to leave your office.
Is there a cost for the initial consultation?
No, the initial consultation is completely free of charge. During this meeting, we’ll assess your business needs and provide guidance on the best coverage options available, all at no cost to you.
How do I get started?
Getting started is easy! Simply contact us to schedule a free consultation. We’ll discuss your insurance needs, answer any questions, and guide you through the process to secure the right coverage for your business.
