Contractor Insurance — every trade, one agency.
GL, workers comp, tools, trucks, bonds, and the COIs your contracts demand — built trade-by-trade, because a roofer and a flooring installer shouldn’t be priced with the same pencil. Pick your trade below for coverage, real cost ranges, and the class codes behind your rate.
The contractor coverage stack
⚖️ General Liability
The policy every contract requires — third-party injury and property damage, plus completed operations for the work you’ve finished.
👷 Workers Comp
Required in most states with employees; priced by class code and payroll. The audit is where wrong codes get expensive.
🚚 Commercial Auto
Trucks, vans, and trailers — personal auto excludes business use, full stop.
🧰 Tools & Equipment
Inland marine for what rides to the job site — theft off the truck is the frequency claim in every trade.
📜 Bonds
License bonds, bid bonds, performance bonds — required paper, arranged alongside the insurance.
☂️ Umbrella
Extra limits over GL and auto when contracts (or common sense) demand more than $1M.
Pick your trade
Electricians
HVAC & Plumbing
Painters
Pressure Washing
Tree Service
Concrete
Excavation
Landscaping
Snow Removal
Pool Builders & Service
Flooring
Handyman
General Contractors
Trade not listed? We write far more than this — throw it in the Monster Lab or ask an agent.
Need a COI for a contract this week?
That’s our specialty — coverage bound and certificates issued fast, with the endorsements the contract actually asks for.
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