For contractors needing to renew their insurance policies, the process is going to be difficult or manageable depending on where they work. For contractors operating in such subprime swamps as Florida, Nevada, California, North Carolina or Arizona, commercial and liability insurance will likely prove harder and more expensive than in past years.
In some states, however, contractors are finding it easier to renew—but not for heart-warming reasons.. So many small contractors have gone under that insurance providers suddenly have to compete for clients.