Local help for contractors who need to keep moving.
Insurance Built for the Jobsite
From general liability to tool coverage, contractors across Alabama count on Schutz Insurance to protect their work and their reputation. Whether you're bidding on a job, managing a crew, or just making sure your license stays current, we’ll help you meet insurance requirements without slowing you down.
What It Covers
General Liability
Covers property damage or injuries caused by your work. Required for most licensed contractors and jobsite access.
Tools & Equipment
Insures hand tools, power tools, trailers, and machinery—on the job, in transit, or stored at your shop.
Commercial Auto
Covers the trucks and vans you rely on. Includes liability, collision, and physical damage for business-use vehicles.
Frequently Asked Questions
Is contractors insurance required in Alabama?
Most licensed trades are required to carry general liability. We’ll help you meet state and job-specific requirements.
Can I cover my trailer and tools?
Yes—your tools and equipment can be insured separately or bundled into your contractor package.
What if I work as a subcontractor?
You likely still need your own coverage. We’ll help make sure you’re not exposed—or left out of a job.
How fast can I get a certificate of insurance (COI)?
Fast. In most cases, we can issue same-day COIs to help you stay on schedule and win work.
Do you work with all trades?
Yes—we insure electricians, plumbers, painters, framers, roofers, and more.
You work hard. You take risks. And you need coverage that keeps up. At Schutz Insurance, we help Alabama contractors protect their tools, trucks, and teams—without the red tape. You’ll get fast service, honest advice, and local support from people who respect your craft.