General liability
Covers property damage and bodily injury claims on the job, including crucial completed operations protection.
Contractor risk management
Contractor insurance built for jobsite risks, tools, and contract compliance.
Package General Liability, Inland Marine tool floaters, Commercial Auto, Workers Compensation, Builders Risk, and Surety Bonds with fast certificates that keep your crews on the job.
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Why is contractors & artisan trades on your radar today?
Select the option that best matches your current situation, and we’ll carry it directly into your request.
Built for the trade
Covering every phase from bid to completed operations.
Whether you are a solo electrician, HVAC technician, plumber, framer, or general contractor, jobsite accidents and property damage claims can occur at any moment. We tailor policies to your trade classification.
Key coverage solutions
Structured around the realities of your situation.
Inland marine tool floaters
Reimburses stolen hand tools, power tools, generators, and compressors from locked trucks or jobboxes.
Commercial auto fleets
Protects utility vans, pickup trucks, and dump trailers driven by business owners and trade employees.
Workers compensation
Mandatory coverage for injured crew members, covering medical bills, rehabilitation, and lost wage benefits.
Quote underwriting details
What we need to build your independent comparison.
- Trade classificationResidential vs commercial, interior vs exterior work, and maximum working height or trench depth.
- Subcontractor agreementsVerifying that downstream subcontractors carry their own valid GL and workers comp insurance.
- Gross payroll & receiptsDetermines the baseline premium and ensures accurate annual policy audit calculations.
Related discovery
Frequently asked questions
Common questions about contractors & artisan trades.
How fast can I get a Certificate of Insurance (COI)?
We provide expedited certificate turnaround, typically delivering digital ACORD certificates the same business day to your general contractor or project manager.
Are my tools covered if stolen from my truck overnight?
With an inland marine tool floater endorsement, locked tools stolen from work trucks or jobsites are covered subject to your policy deductible.
Do I need workers comp if I use 1099 subcontractors?
State boards in GA and PA can deem uninsured subcontractors statutory employees during audits. We help you structure compliant coverage and avoid penalty assessments.
Ready to begin?
Start your independent quote comparison today.
Tell us what changed. An agent will review your request, compare available markets, and follow up with clear recommendations.