General Liability
Core protection for contractors against third-party bodily injury and property damage claims arising from your operations, tools, or job site presence — a requirement on virtually every Nashville construction contract.
Nashville's construction boom means contractors face real exposure on every job site — from Green Hills renovations to downtown high-rises. Soma provides general liability insurance built specifically for contractors, securing fast, affordable coverage that satisfies contract requirements and protects your business from costly third-party claims, property damage, and completed operations liability.
Comprehensive coverage options tailored to protect Nashville contractors across every phase of their work.
Core protection for contractors against third-party bodily injury and property damage claims arising from your operations, tools, or job site presence — a requirement on virtually every Nashville construction contract.
Project-specific property coverage from groundbreaking to final inspection, protecting structures, materials, and equipment from fire, theft, vandalism, and weather damage throughout the build.
End-to-end contractor programs covering tools and equipment, contractor liability, completed operations, installation floaters, and wrap-up insurance for complex multi-trade Nashville developments.
Coverage for trucks, vans, and work vehicles used to transport crews and equipment across Nashville job sites — including hard-to-insure fleets that standard markets frequently decline.
Errors and omissions protection for contractors who provide design-build, consulting, or project management services, guarding against claims of faulty workmanship advice or specification errors.
Soma's dedicated risk management team analyzes your contracting operations, identifies coverage gaps, and places the right policies at the right price — fast, with a single application.
Nashville's rapid development — from mixed-use projects in The Gulch to suburban residential builds across Williamson County — puts contractors under increasing pressure to carry proper liability coverage. Soma places general liability insurance through top-rated specialty carriers like Chubb, Liberty Mutual, and Kinsale, giving Nashville contractors fast access to compliant, affordable coverage. One application. No chasing brokers. No waiting weeks for quotes.
See how Nashville contractors secured the right coverage fast and kept their projects moving.
Soma brings speed, expertise, and specialty market access that traditional brokers simply can't match.
Get contractor liability quotes same-day — no weeks of waiting, so your Nashville project contracts never stall.
Access top-rated carriers like Chubb, Liberty Mutual, and Kinsale, including options for hard-to-insure contractor risks.
A single application covers all your coverage needs — general liability, builder's risk, tools, auto, and more.
Soma's risk team understands Nashville's construction market, lender requirements, and contractor contract standards across Middle Tennessee.
Expert insurance professionals dedicated to finding the right contractor coverage.
Soma is a specialty insurance brokerage built for businesses that are complex, fast-moving, or hard to insure — including contractors navigating Nashville's booming construction market. Our risk management team has processed thousands of businesses across the construction sector, from small independent contractors to large general contractors managing multi-trade developments across Middle Tennessee. We replace the traditional broker experience — slow turnarounds, vague advice, and chasing quotes — with a streamlined process that delivers compliant, competitive coverage fast. Soma partners with hundreds of carriers, including Chubb, Liberty Mutual, Kinsale, and Nationwide, to find the right fit for every contractor's scope of work and risk profile.
A $1,000,000 general liability policy for contractors typically costs between $500 and $2,500 per year, depending on trade type, annual revenue, payroll, and claims history. Specialty trades like roofing or demolition generally pay more than lower-risk trades like painting or carpentry. Soma shops your risk across multiple carriers to find the most competitive rate for your specific operations.
Talk to a Soma specialist for a no-obligation consultation and same-day quote.
Partnered with Chubb, Liberty Mutual, Kinsale & more
Same-day quotes for contractor insurance applications
Coverage solutions for risks standard markets decline
Fill out a single application and a Soma risk specialist will reach out with competitive, bindable options — usually same-day. No lengthy back-and-forth, no waiting weeks for answers.