For contractors and subcontractors
General liability, workers compensation, commercial auto and tools coverage for contractors and subcontractors. Tell us your trade and a licensed specialist will find markets that actually write it, with certificates available the same business day.
Two contractors with identical payroll and identical revenue can pay premiums that differ by a factor of four, and the reason is almost always classification. A roofer and a painter are not the same risk, and a carrier that writes one may refuse the other outright.
Misclassification runs both ways. Rate a framing crew as general carpentry and you underpay until the audit, which produces a bill. Rate a finish carpenter as general building and you overpay for years without noticing.
So we start with the trade, classify the work you actually do, and then quote the carriers that have appetite for it. Where the admitted market will not write your class, we quote surplus lines alongside it so you see the real range instead of one price.
Each trade page covers the hazard level, the loss scenarios that actually drive claims for that trade, typical limits, the endorsements that matter, and whether it is usually placed admitted or surplus.
Browse all 22 tradesGeneral liability is the floor. The rest depends on whether you have employees, vehicles and tools worth insuring.
Third-party bodily injury and property damage from your operations and your completed work.
Legally required in nearly every state once you have employees. Covers medical costs and lost wages.
Your trucks, trailers and the equipment you tow. Individual tools are not covered here.
Inland marine for tools in transit and on site, including theft, which general liability never covers.
Claims that your work was done wrong, whether or not it actually was. Separate from general liability.
General liability and commercial property in one package, usually at a discount to buying them separately.
Classification and carrier appetite differ by trade. Find yours for the loss scenarios, typical limits and the endorsements that matter.
At minimum, general liability, which responds to third-party bodily injury and property damage from your operations and your completed work. Most contractors then add commercial auto for their vehicles, inland marine for tools, and workers compensation once they have employees.
General liability does not cover your own employees, your own tools, your own vehicles, or the cost of redoing your own defective work. It also does not cover damage caused by subcontractors who carry no insurance of their own.
A certificate holder is someone who receives proof that you have coverage. An additional insured is named on your policy and gets actual protection under it. General contractors almost always require additional insured status, because a certificate gives them no coverage.
Some coverage is required by law and some by contract. Workers compensation is legally required in nearly every state once you have employees. General liability is usually required by the licensing board, by the terms of a contract, or by a commercial lease.
Yes. We arrange the cancellation and the start date so there is no gap in coverage, and we confirm the new certificate reaches anyone holding one from the old policy.
We write 22 trades directly and place others through surplus lines. Tell us what you do and we will tell you straight away whether we can write it.
Tell us your trade, payroll and state and we will come back with real carrier numbers.
