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Insurance solutions for contractors, builders, and trade businesses in Kansas City and surrounding areas. We help structure coverage that fits the real risks contractors fact on the job.
With over 19 years in insurance industry, including 12 years in claims, we understand how coverage actually performs when it matters most. From everyday losses to complex claims, we've been in the trenches.
Contractors face a unique mix of risk every day. Jobsite injuries, property damage, tools and equipment, subcontractor exposure, and contract requirements can all create serious liability.
At TrueSpan Group, we help contractors structure coverage that matches how their business actually operates—so there are fewer surprises when a claim happens.
Many contractors—especially those under $100K in premium—are often underserved by larger firms. At TrueSpan, you aren’t just a policy number in a call center; you have a direct line to a claims expert who understands your P&L.
We work with a wide range of contractors and trade businesses across Kansas City and surrounding areas.
We also work with growing contractors and smaller commercial accounts that are often underserved by larger firms.
Contractors in Kansas City face unique risks on every job. These are the core insurance coverages we recommend to properly protect your business.
Protects your business against third-party bodily injury, property damage, and completed operations claims.
Helps protect your employees and your business when jobsite injuries happen.
Coverage for work trucks, vans, and company vehicles used in your operations.
Covers materials, equipment, and structures during construction or renovation projects.
Protects your tools, mobile equipment, and materials while in transit or at the jobsite. Essential for contractors who move high-value gear daily.
Provides additional protection above your primary policies for larger losses.
Most insurance agencies treat contractors like just another account. We don’t. At TrueSpan, we understand how your business actually operates—and we build coverage that protects you when it matters most.
We’re not just here to place a policy—we’re here to help you protect your business long-term.
We understand real jobsite risks—from subcontractor exposure to equipment, contracts, and liability—so your coverage actually fits how you operate.
We specialize in contractors often overlooked by large brokers. We provide the same sophisticated risk strategies used by global firms, combined with the responsive, personal advocacy your business deserves.
With 12+ years handling and overseeing claims, we know how coverage performs when it matters—not just how it’s sold.
We pair strong standard carriers like CNA and Liberty Mutual with E&S flexibility—so you get solutions others can’t offer.
Work with an independent agency that understands your business, your risks, and how coverage actually performs when it matters most.
Serving Kansas City and surrounding areas across Missouri, Kansas, Oklahoma, Washington, and Texas.
Find answers to what matters most about your coverage.
Most contractors need general liability, workers' compensation, commercial auto, and inland marine insurance. Depending on the type of work, additional coverage like builders' risk or umbrella liability may also be recommended.
The cost depends on your trade, payroll, revenue, and claims history. Many small to mid-sized contractors fall within a manageable annual premium range, but coverage should always be tailored to your specific operations.
Yes. In most cases, we can provide certificates of insurance quickly so you can start or continue work without delays.
No. General liability covers third-party bodily injury, property damage, and completed operations—but it does not cover everything. For example, it does not cover employee injuries, auto accidents, or most pollution-related claims.
In some cases, yes. Standard general liability policies typically exclude pollution-related claims. Contractors working with chemicals, fuel, dust, mold, or environmental exposures may need pollution liability coverage to properly protect their business. Even trades that don't seem "high risk" can be exposed; for example, window contractors can create water intrusion issues that lead to mold or long-term damage.
Builders' risk insurance covers structures and materials during construction or renovation projects. It protects against losses like fire, theft, vandalism, and certain weather events while a project is in progress.
Umbrella insurance provides additional liability protection above your primary policies like general liability and commercial auto. It helps protect against larger claims that exceed standard policy limits.
Still have questions about your specific situation? Reach out—no pressure, just clear answers from a local expert.