Cost & Coverage Guides
Construction Trades Insurance Blog
Every guide here is organized the same way we build coverage: by trade first, not by a generic contractor label. Cost drivers, class codes, COI requirements, and coverage gaps — broken down for the trade you actually run.
Flagship GuideInsurance Costs and Coverage Requirements by Construction Trade: The Complete Guide
Why "how much does contractor insurance cost" is the wrong question — a trade-by-trade breakdown of typical coverage combinations, relative cost tiers, and the #1 cost driver for each of the eight trades, plus bonds, COIs, and what actually moves the needle on price.
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Why Roofers Pay More for Insurance Than Electricians: A Class-Code Breakdown by Trade
Workers' comp class codes explained in plain terms, using roofing vs. electrical as the clearest real-world contrast in fall severity vs. shock/ladder risk — then extended across two more trade pairs.
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The Additional-Insured & COI Checklist by Trade: What GCs Actually Require Before You Step on Site
A practical checklist of what general contractors typically require from each trade before jobsite access — how COI turnaround works, and the most common rejection reasons.
Read the guide →Common GL Exclusions by Trade: What Roofers, Excavators, and Design-Build Electricians Need to Watch For
The exclusion patterns that quietly create coverage gaps trade by trade — roofing steep-slope and subcontracted-labor exclusions, excavation XCU exclusions, and design-build electrical work that falls outside GL entirely.
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Tell us your trade and we'll come back with a coverage combination priced to your actual risk profile — not a flattened generic quote.