Varchas Contractors

High-Limit Asset Protection for General Contractors, Tradesmen & Active Job Sites

Coverage built for contractors and builders across Georgia — from the job site to the paperwork behind it.

Coverage Built for Working Contractors

Tools & Equipment Included

Contractors' installation, tools, and equipment coverage automatically included, with flexible limits from $5K to $100K.

Cyber Liability Included

Cyber liability coverage built into eligible policies, so a data or systems incident doesn't fall outside your protection.

Flexible Billing

Direct-billed options with annual, quarterly, and monthly payment plans to match your cash flow.

Faulty Workmanship Coverage

First-party coverage that fills the gap between general liability and professional liability for the most common workmanship claims.

Contractors Pollution Liability

Full contractors pollution coverage — not just contingent — so job-site pollution exposure doesn't go unprotected.

Fast Quote & Bind

Eligible trades can be quoted, bound, and issued in minutes, so coverage doesn't hold up your next bid.

What's Covered

Contractor General Liability

Protects your company from financial losses due to property damage or bodily injury occurring on an active job site or resulting from completed operations. Liability limits up to $1M/$2M/$2M, with up to $1M in fire damage and $25K in medical payments coverage.

Commercial Auto & Fleet

High-limit liability and physical damage protection covering heavy-duty trucks, transport vans, and machinery transit lines across Georgia roadways.

Inland Marine (Tool & Equipment)

Insures expensive machinery, diagnostic gear, and job site materials while in transit, off-site, or left unsecured at unfinished developments.

Builders Risk Policies

Specialty property coverage backing structures actively under construction, protecting raw materials and capital against fire, wind, vandalism, and lightning strikes.

Tools Coverage Applies
At the Job Site
In Transit
In Temporary Storage
Non-Owned Tools (Optional)
Employees' Tools (Optional)
Available Endorsements
Blanket Additional Insured
Per Project Aggregate
Prior Works Buyback
Completed Operations Additional Insured
Employee Benefits Liability Buyback
Class Limitation Removal
Up to $2M
Professional liability coverage available
$5K–$100K
Flexible tools & equipment limits
Up to 200
Employees eligible under our BOP program
$400+/yr
Starting professional liability premium

Professional Liability & Faulty Workmanship

General liability protects against bodily injury and property damage — but a claim of professional negligence or defective work needs its own coverage.

Professional Liability (Errors & Omissions)

Covers claims of professional negligence, contractors' jobsite pollution, and faulty workmanship, with duty to defend included. Coverage up to $2M, deductible options starting at $1,000.

Faulty Workmanship

First-party coverage up to $50K that fills the gap between general liability and professional liability — the most common claim for contractors with limited true PL exposure.

Contractors Pollution Liability

Full contractors pollution coverage up to $100K, not just contingent — helping you avoid gaps that many markets leave open.

Trades We Cover
HVAC Installation & Repair
Electrical Work
Plumbing
Carpentry (Residential, Commercial & Exterior)
Handyperson
Floor Covering Installation
Tile & Stone Installation
Painting
Cabinet Making / Woodworking
Appliance Installation or Repair
Cabling
Glass & Glazing
Masonry
Interiors
Landscaping
Cleaning Services (Janitorial, Carpet, Upholstery)
Furniture or Fixture Installation
Lawn Sprinkler Installation & Repair
Construction Debris Removal
And More
Often Paired With
Get Covered

Need a Certificate of Insurance (COI)?

Let us help you get accurate, job-ready coverage in place without holding up your next bid.

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