Construction-Specific Insurance Programs from Top Companies
We Specialize in Insurance for Massachusetts Contractors
Humphrey, Covill & Coleman Insurance Agency, Inc. is a family-owned, independent insurance agency in Massachusetts that specializes in the construction industry. We understand the unique challenges contractors face – from supply chain issues, to the need to get certificates to get on jobs quickly – and we’re here to make your life easier.
What Others Are Saying About Us
- Appliance Technician
- Carpenter
- Concrete Contractor
- Junk Removal
- Drywall Contractor
- Electrician
- Excavation Contractor
- Fence Installation Contractor
- General Contractor
- Handyman
- Home Renovation Contractor
- HVAC / Refrigeration Contractor
- Insulation Contractor
- Landscaping
- Lawn Care
- Mason
- Painters
- Paperhanger
- Paving and Asphalt Contractor
- Plumber
- Roofing
- Siding Installation Contractor
- Snow Plowing
- Solar Contractor
- Flooring Installer
- Tile
- Welding
We work with the following professions in the construction industry:
Why Massachusetts Contractors Consider Us their Secret Weapon for Insurance:
Quick Response Time
We Specialize In Contractors Insurance
Guaranteed To Return Your Call Within One Business Day
Easy To Use Online Portal To Create And Download Certificates 24/7
Insurance Tailored To What Matters Most To You
Custom Contractors Insurance Programs To Save You Money
The Perry family has a long and storied insurance history with HCC beginning in the early 1950's when Elwell Sr. first went into the insulation business. Over the ensuing decades the Covills and their employees have always provided us with excellent service and competitive pricing for both personal and business insurance. We thank you. Elwell Jr and Matthew G. Perry.
- Elwell P.
“I am very delighted with the staff. I was treated as an old friend, not just another customer. My advice to anyone with insurance needs “Run, don’t walk to Humphrey Covill & Coleman Agency!”
- Alan Wilson
MASSACHUSETTS
CONTRACTORS
INSURANCE
MASSACHUSETTS
CONTRACTORS
INSURANCE
If you have not reviewed or changed your insurance in the past couple of years, you are overpaying...
Our Competitive Packages Empower You To:
Bid Lower
Win More Jobs
Net Higher Profits
Ready to Get Started?
Celebrating 100 Years In Business in 2026
Founded in 1926 by Ernest J. Humphrey and Raymond F. Covill, both former Liberty Mutual employees, Humphrey, Covill & Coleman Insurance Agency, Inc. has proudly served families and businesses throughout the New Bedford area for nearly a century. In 1948, Philip L. Coleman—Humphrey’s Yale-educated nephew and Navy veteran—joined the firm, giving rise to the agency’s current name.
The Covill family’s legacy continued as Raymond A. Covill joined in 1956, followed by his son, Pete, in 1984, and daughter, Elizabeth (Lisa) Covill Gibson, in 1991. Today, the fourth generation—Wiley Gibson, great-grandson of one of the founders—carries that legacy forward, alongside Barry Dextraze and Hayden O’Brien.
Across generations, HCC has grown with the same client-focused values, providing tailored insurance solutions, flexible payment plans, and efficient service—making us a trusted partner in protecting families and businesses throughout the region.
The HCC Difference means a century of experience, backed by modern solutions and a promise of honest advice, multiple carrier options, and service you can trust.
I have had my contractors insurance through Pete Covill for several years and have had excellent service at all times. They respond very quickly, have the lowest rates around for equal coverage. I would, and have recommended this agency to friends. Very happy with the relationship!
- Joan P.
We offer competitive rates on the following types of insurance:
Here at Humphrey, Covill & Coleman Insurance Agency, Inc. we provide a one-stop-shop for Massachusetts contractors. Special care is taken to assure your business has complete insurance protection so there are no surprises later on.
- Contractor General Liability Insurance
- Tools & Equipment Insurance
- Builders Risk Insurance
- Commercial Property Insurance
- Commercial Auto Insurance
- Workers’ Compensation
- Errors and Omissions Insurance
- Pollution Liability
- Cyber Insurance
- Employment Practices Liability
- Surety Bond / Bid / Performance / Payment Bond
- Umbrella / Excess Insurance
Coverage Types
Contractor
Need a Bond?
Bidding on a job that requires a bond? Surety bonds give project owners peace of mind that the work will be completed as promised and everyone will be paid. At HCC Insurance, we make it easy for contractors of all sizes to get bid, performance, and payment bonds—helping you win more jobs and build trust with your clients.
Yes. We can tailor your insurance package for your specific needs. You can send us the list of endorsements the builder is requesting and we can review and discuss the best coverage options for you.
Do you have certain endorsements that builders require?
We understand that managing cash flow is critical for contractors. That’s why HCC Insurance offers flexible payment options, including monthly installments, to make insurance more manageable. Whether you prefer to spread payments out or pay in full, our team will work with you to design a plan that fits your business and keeps your coverage secure without straining your budget.
Can we make monthly payments on our insurance?
Like most things in life, it depends. Over many years, we’ve developed a unique approach to customizing insurance for contractors, built around contractors liability insurance. This covers you against lawsuits and other costs relating to damage, destruction, injury or even loss of life, caused by you or your employees.
No contractor or subcontractor should be without this. In fact, many general contractors now require subcontractors to have this coverage in place before they’ll consider working with them.
What type of insurance should a contractor have?
One of your employees may damage a building accidentally, break a window or drop a hammer. Therefore, it is vital that you take preventative action to make certain that your business is adequately covered when something goes wrong.
General Liability Insurance will protect you against legal action when an accident happens. Just having the right coverage can save you millions of dollars.
What happens when one of your employees damages a building?
Once you have a policy with us, you’ll have 24/7 access to our online portal where you can instantly download proof of your insurance (also called a certificate of insurance, or COI). Log in to your account, download your COI instantly or get delivered via email. Get unlimited certificates as you need them - all right from your smart phone. In a hurry? Give us a call and we will get a COI right out to you.
How can I get a certificate of insurance (COI)?
The best way to determine this is to speak with our licensed Contractor Insurance Specialist by completing the form on this page. Our remodeling contractor policy may be all you need or we may recommend you consider our general contractor policy if your operations are a little bit bigger. It just depends on your unique needs.
What type of policy would I need if I’m a “jack-of-all-trades”?
Common Questions About Contractors Insurance
Ready to Get Started?
I have recently switched all of my insurance needs to Humphrey Covill & Coleman Insurance Agency, Inc. I much prefer to work with a local small business, like ours, to keep us insured "just right".
-Jane O.
I just want to give a shout out to the team of Peter and crew. They work hard to get me the best pricing and coverage for my business and home. I highly recommend them.
- Ronald M.
Peter and the rest of the company have been amazing! We have both commercial and personal policies with them and no matter what issue or question we have they are always there for us. We would absolutely recommend them as your insurance providers.
-Jay G.
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211 Reviews
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