Standard business insurance programs usually need to be customized to properly insure the activities of skilled contractors. A starting point is property insurance for buildings and many classes of business property, liability insurance to protect from lawsuits alleging negligence, and commercial auto insurance. For smaller contracting businesses, a Business Owners Policy (BOP) is often a good foundation from which to build a solid insurance program. But often a gap in a program like this for many artisan contractors exists due to the lack of coverage standard insurance provides for tools and equipment that you move between your shop and different job sites.