Business insurance
Trade Contractor Insurance
Coverage for electricians, plumbers, HVAC, roofers, painters and other trades, including the certificates your GCs and licensing require.
Why it's different
Coverage built for how trade contractors actually work
Trade contractors work on other people's projects and other people's property, which means certificates, tools on the move and work that has to hold up for years. We place coverage built for your trade class, not a generic small-business policy.
- License and GC requirementsFlorida contractor licensing and most general contractors require proof of general liability. We turn certificates around quickly so you don't lose a job.
- Tools and equipmentTools in trucks and on job sites need inland marine coverage. A standard property policy usually won't follow them.
- VehiclesWork trucks and vans need commercial auto. Personal auto policies often exclude business use.
- Trade classificationGetting your class code right affects both price and whether a claim is covered. Roofing, for example, is priced very differently from painting.
Coverage
What a typical program includes
Every business is different. We start here, then adjust to your contracts, locations and payroll.
General liability
Including completed operations
Workers' compensation
Or officer exemptions where eligible
Commercial auto
For work trucks and vans
Tools & equipment
Inland marine that follows your gear
Contractor bonds
License, permit and performance bonds
Umbrella
When a GC or owner requires higher limits
FAQ
Trade Contractors insurance questions
How fast can I get a certificate of insurance?
Once your policy is in force, certificate requests sent through our Client Center are typically handled the same business day.
Do I need a bond as well as insurance?
Some licenses, permits and contracts require a surety bond in addition to insurance. We place both.
Free, no-obligation review
Get a Trade Contractors insurance review
Send your current policies and any contract insurance requirements. We'll compare carriers and show you gaps before your next renewal.