Insurance Built for Your Trade, Not Just Any Contractor
Stop paying for generic coverage. We build trade-specific insurance packages for electricians, plumbers, roofers, and general contractors that protect your exact risk profile.
The Problem With Generic Quotes
One-Size-Fits-All Doesn't Fit Your Trade
A roofer's risks aren't an electrician's risks. Your coverage combination shouldn't be identical.
Roofing
High-elevation risk needs specialty-market GL and a workers' comp class code that reflects real fall severity — generic policies flatten it.
- ✓Fall-risk-rated GL placement
- ✓Steep-slope & storm-work handling
Electricians
Shock and burn exposure is only half the picture — design-build and low-voltage work shifts risk toward professional liability, not GL.
- ✓Completed-operations wording
- ✓E&O for design-build work
General Contractors
Your risk is contractual and vicarious — you're on the hook for the whole site even when subs did the work.
- ✓Higher-limit GL for contracts
- ✓Umbrella at contract-required limits
Trades We Cover
Select Your Trade
General Contractors
Contractual and vicarious liability across every sub on your jobsite.
See coverage for this trade →Electricians
Shock, burn, and ladder risk — plus E&O exposure on design-build work.
See coverage for this trade →Plumbers
Completed-operations water damage is where plumbing claims actually happen.
See coverage for this trade →HVAC Contractors
Refrigerant handling, combustion equipment, and rooftop-access risk.
See coverage for this trade →Roofing Contractors
The highest fall-severity class code in construction — and the hardest GL market.
See coverage for this trade →Concrete & Masonry Contractors
Heavy material handling and completed-operations structural exposure.
See coverage for this trade →Framing & Carpentry Contractors
Height risk on multi-story framing plus 1099-crew classification questions.
See coverage for this trade →Excavation & Site Work Contractors
Underground utility strikes and trenching risk standard GL often excludes.
See coverage for this trade →How It Works
Coverage in 4 Simple Steps
We've streamlined the process so you can get back to the jobsite faster.
Tell Us Your Trade
A quick questionnaire about your specific operations and risk profile.
Get a Tailored Package
Review a coverage combination built for your trade, not a flattened template.
Bind Coverage
Sign digitally and secure your policy without the runaround.
Certificate Delivered
Get your COI fast enough to step on site the same day.
Why Generic Contractor Insurance Quotes Get Your Trade Wrong
Generic contractor quotes ask about revenue and payroll — not whether you're on a roof, in a trench, or doing panel design. Those differences change what coverage you actually need, not just what it costs.
8
Trades Covered
50
States Licensed
Same-Day
Certificates
1
Agency, Every Trade
Frequently Asked
Common Questions
Why not just get one generic contractor insurance quote?
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A generic quote applies the same coverage template to every trade. It doesn't ask whether you're on a roof, in a trench, or doing panel design — and those differences change what you actually need, not just what it costs.
Do you write coverage nationwide?
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Yes — Contractors Choice Agency is licensed to write construction trades insurance across the United States, not limited to specific states.
How fast can I get a certificate of insurance?
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Most existing-policyholder COI requests are turned around same-day during business hours.
Can one agency handle insurance for multiple trades on the same jobsite?
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Yes — a general contractor managing subs across several trades can work with one agency and one point of contact for certificates across all of them.
Ready to protect your livelihood?
Get a trade-specific insurance quote built for your actual risk profile in minutes.