Your trade's risk profile isn't generic. Neither is your coverage.

Why trade-classification-first

Most contractor insurance shopping starts with a single form: revenue, payroll, years in business. It rarely asks whether you're on a roof, in a trench, or doing panel-design work — and those differences change what coverage you actually need, not just what it costs. A roofing GL policy that ignores steep-slope exposure isn't cheaper insurance, it's a gap waiting to surface at claim time.

We built this agency's process around eight distinct trade classifications — general contractors, electricians, plumbers, HVAC contractors, roofing contractors, concrete and masonry contractors, framing and carpentry contractors, and excavation and site work contractors — each with its own reasoned coverage combination rather than a checklist with the trade name swapped in.

What that looks like in practice

• Your quote starts with your trade, not a generic contractor label.
• The coverage combination we come back with reflects your actual risk profile — including which lines matter most and which are typically unnecessary for your work.
• If your trade sits in a harder insurance market (roofing, for example), we tell you that upfront instead of quoting around it.
• One agency can handle certificates across every trade on a jobsite — useful for general contractors managing multiple subs.

Licensed nationwide

Contractors Choice Agency is licensed to write construction trades insurance across the United States. Whether you're a solo electrician or a multi-crew excavation contractor, the same trade-first process applies.