🔨 Contractor Risk Calculator
Find the Coverage Gaps That Could Lose You Jobs
Most contractors don't realize they have coverage gaps until a GC rejects their COI — or worse, a claim gets denied. Run this 60-second assessment for specific findings across GL, workers comp, commercial auto, tools coverage, and COI compliance.
What you'll get
A personalized contractor exposure report in 60 seconds
Run the assessment and you'll see exactly where your policy may be exposing you — across GL, workers comp, COI compliance, and tools.
Your Risk Score
A numerical score from 0–10 showing your overall coverage exposure, color-coded for severity.
Specific Coverage Gaps
The exact shortfalls in your GL, workers comp, COI compliance, and tools coverage.
Severity Rankings
Each gap ranked CRITICAL, SIGNIFICANT, or NEEDS ATTENTION so you know what to fix first.
Clear Next Steps
Specific, actionable recommendations for each gap — not vague insurance jargon.
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What we see in the field
Most contractor policies have at least one COI compliance gap
Based on policy reviews by Direct Insurance Services across 29 states.
40%
of contractors have had at least one COI rejected in the past 2 years
$47K+
average revenue lost per COI rejection that kills a job
70%
of contractor policies have at least one contract compliance gap
Explore More
Contractor Insurance Resources
Contractor Insurance Overview
GL, workers comp, commercial auto
Learn More →Contractor Insurance Guide
Complete coverage guide for contractors
Learn More →California Contractor
State-specific requirements
Learn More →Texas Contractor
State-specific requirements
Learn More →Colorado Contractor
State-specific requirements
Learn More →