Coverage That Builds Confidence On Every Job
Whether you're a general contractor, electrician, plumber, or landscaper, your job comes with risks—and we’re here to help manage them. Contractors Insurance protects your tools, vehicles, crew, and reputation from the unexpected. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we specialize in helping Idaho and California contractors get the coverage they need to work confidently and win more jobs.
We protect the business you’ve built—so you can keep building.
What does contractors insurance include?
Coverage can include general liability, commercial auto, tools and equipment coverage, workers compensation, and surety bonds—depending on your trade and project size.
Is it required to bid on jobs?
Yes—many clients and government contracts require proof of insurance before you can submit a bid or begin work.
What if I hire subcontractors?
We can help you understand how to manage liability when using subcontractors, including certificates of insurance and contractual coverage.
Can I bundle coverages for savings?
Absolutely. We’ll help you create a package that meets your compliance needs and keeps costs manageable.
Custom Coverage for Your Trade
No two trades are the same—and neither are the risks. Whether you're climbing ladders, operating heavy machinery, or overseeing a crew, your policy should reflect the way you actually work. We’ll help tailor a plan that includes just what you need, nothing you don’t.
Local Agents Who Know the Job
We work with contractors of all sizes—from solo tradespeople to growing firms—to make insurance easy, fast, and dependable. Our team is here to help you meet licensing requirements, secure certificates of insurance quickly, and keep your crew protected.