Coverage options for contractors, builders, and trade businesses across the Kansas City metro and surrounding areas. We help structure coverage that fits the real risks contractors face on the job.
With over 19 years in the insurance industry — including 12 years in claims — we have a practical understanding of how coverage responds when it matters. From everyday losses to complex claims, we've been on the inside of that process.
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 think through coverage options that match how their business actually operates. We take the time to understand your work, your exposures, and your contracts before making recommendations.
Many contractors — especially those under $100K in premium — are often underserved by larger firms. At TrueSpan, you have a direct line to someone with deep claims experience, not a call center.
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.
Many contractors need surety bonds to satisfy contract requirements or state licensing. Through our partnership with Propeller, you can explore bond options and get started directly online — no phone call required to get the process moving.
For contractors looking for a fast starting point, we offer two ways to get moving with Next Insurance:
Start online and bind your own coverage: Ideal for straightforward operations that want a quick quote. Get Started
Start online with agent review before binding: We review your selections before anything is finalized — a good fit if you want a second set of eyes on your coverage. Start with Agent Review
Not sure which path fits your situation? Schedule a call and we'll point you in the right direction.
Most insurance agencies treat contractors like just another account. At TrueSpan, we take the time to understand how your business actually operates and bring a claims-informed perspective to every coverage conversation.
We understand real jobsite exposures — from subcontractor liability to equipment coverage, contract requirements, and completed operations — and we ask the right questions to help identify gaps.
We focus on contractors often overlooked by large brokers, bringing a consultative approach typically reserved for larger accounts to businesses of every size.
With 12+ years managing and overseeing claims, we bring firsthand knowledge of how policies are interpreted and where coverage gaps commonly arise.
We work with strong standard carriers including CNA and Liberty Mutual, alongside E&S market access — giving us flexibility to find options for a wide range of contractor operations.
Work with an independent agency that takes the time to understand your business, your exposures, and your risks. Based in Lee's Summit, serving contractors across Kansas City and beyond.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.
Yes. We have access to surety bond options for contractors, including license and permit bonds. Whether you need a bond to satisfy a contract requirement or a state license, we can help you explore what's available. You can also get started on a bond directly through our online bond portal.
Still have questions about your specific situation? Reach out—no pressure, just clear answers from a local expert.