Insurance by Trade
We don't sell one generic contractor policy — we build the package for your trade
Every trade below has its own risk profile, its own coverage combination, and its own cost drivers. Pick yours to see exactly what that looks like.
| Trade | Primary Risk Driver | Typical Coverage Combination | |
|---|---|---|---|
| General Contractors | Contractual / vicarious liability across the whole site | Higher-limit GL, umbrella, bonds, builders risk | View details → |
| Electricians | Shock, burn, E&O on design-build work | GL, tools & equipment, E&O, license bond | View details → |
| Plumbers | Completed-operations water damage | GL with strong completed-ops, pollution for backflow/sewer | View details → |
| HVAC Contractors | Refrigerant handling, rooftop access | GL, pollution liability, tools & equipment | View details → |
| Roofing Contractors | Highest fall-severity class code | Specialty-market GL, high WC class, umbrella | View details → |
| Concrete & Masonry | Heavy material handling, structural completed-ops | GL, WC, tools & equipment, builders risk | View details → |
| Framing & Carpentry | Multi-story fall risk, 1099-crew classification | GL, WC, builders risk, equipment coverage | View details → |
| Excavation & Site Work | Underground utility strikes, trenching | GL with XCU, high WC, pollution, umbrella | View details → |
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 →Don't see your trade?
We write coverage for adjacent and related construction trades too. Tell us what you do and we'll build a combination around your actual operations.
Ask About Your TradeGet insurance built around your trade
Tell us your trade and we'll come back with a coverage combination priced to your actual risk profile — not a flattened generic quote.