TRADESMEN INSURANCE
Tailored and hassle-free contractor liability insurance
CONTRACTOR-SPECIALIST INSURANCE PROVIDERS
Tailored and hassle-free contractor insurance
Written by Curran Clark
Co-Founder & Licensed
Insurance Producer
Every trade brings its own expertise and its own exposures. From the electrician working with live wires to the roofer battling heights and weather, each specialty faces unique hazards that standard business insurance won’t cover.
The construction industry employs over 11 million skilled tradespeople, each requiring protection tailored to their specific work. Whether you’re wielding a welding torch, operating heavy excavation equipment, or installing delicate tile work, the right tradesman business insurance isn’t just about compliance, it’s about protecting the business you’ve built through years of honing your craft.
Core coverage for all trades
While each trade has unique requirements, most contractors need these essential protections:
General Liability
Your first line of defense against property damage and bodily injury claims
Tools & Equipment
Protection for the specialized gear that makes your work possible
Commercial Auto
Coverage for vehicles and equipment transported to job sites
Workers’ Compensation
Required in most states when you hire employees or helpers
Why Trade-Specific Insurance Matters
Generic contractor policies often miss critical exposures. A plumber’s completed operations risk from a burst pipe differs vastly from a landscaper’s chemical application liability. Whether you’re seeking self-employed tradesman insurance or coverage for a larger operation, understanding your trade’s specific vulnerabilities and matching them with appropriate coverage can mean the difference between a claim that’s covered and one that devastates your business.
FIND YOUR TRADE
We’ve organized insurance solutions by specialty, because we know a plumber’s risks are nothing like a painter’s. Select your trade to discover coverage designed specifically for the challenges you face every day.
Home Improvement and Renovation Contractors
Appliance Repair Business Insurance
Risks
Equipment damage, electrical mishaps, water damage
Overview
Protects Appliance Repair Techs From Claims Related To In-Home Repairs, Accidents, And Customer Property Damage.
Carpenter Insurance
Risks
Structural damage, tool accidents, workmanship issues
Overview
Covers carpenters against claims related to structural work, tool-related injuries, and installation defects.
Concrete Contractor Insurance
Risks
Property damage, faulty workmanship, equipment theft
Overview
Shields concrete contractors from liabilities due to property damage, workmanship issues, and equipment loss.
Construction Insurance
Risks
Site accidents, equipment damage, liability claims
Overview
Provides comprehensive coverage for various risks associated with construction projects.
Door and Window Installation Insurance
Risks
Property Damage, Installation Errors,
Glass Breakage
Overview
Covers Installers From Claims Related To Damaged Materials, Faulty Installation, And Customer Property Damage.
Drywall Contractor Insurance
Risks
Property damage, workplace injuries
Overview
Protects drywall contractors from liabilities related to installation errors and onsite accidents.
Electrician Insurance
Risks
Electrical fires, shock hazards, wiring damage
Overview
Protects electrical contractors from claims related to faulty wiring, electrical accidents, and property damage.
Flooring Contractor Insurance
Risks
Property Damage, Installation Errors,
Slip Hazards
Overview
Protects Flooring Contractors From Claims Related To Installation Mistakes, Damage To Customer Property, And Accidents.
General Contractor Insurance
Risks
Project management liability, subcontractor issues, construction defects
Overview
Provides comprehensive coverage for general contractors overseeing multiple trades and managing overall project liability.
Handyman Insurance
Risks
Various property damage, DIY repairs gone wrong, minor accidents
Overview
Provides broad coverage for handymen performing multiple types of small repairs and maintenance work.
HVAC Insurance
Risks
Equipment malfunction, refrigerant leaks, installation errors
Overview
Protects HVAC contractors from claims arising from system failures, installation issues, and environmental hazards.
Millwork Insurance
Risks
Installation Errors, Property Damage,
Tool Injuries
Overview
Covers Millwork Contractors From Claims
Related To Cabinet, Trim, And Built-In
Installation Defects And Property Damage.
Painters Insurance
Risks
Paint overspray, property damage, chemical exposure
Overview
Shields painting contractors from claims related to paint damage, surface preparation issues, and chemical handling.
Plasterers and Stucco Contractor Insurance
Risks
Cracking And Failure, Property Damage, Workmanship Errors
Overview
Protects Plasterers And Stucco Contractors From Claims Related To Surface Failure And Installation Defects.
Plumbers Insurance
Risks
Water Damage, Pipe Leaks,
Workmanship Errors
Overview
Protects Plumbers From Claims Related To
Leaks, Water Damage, And Faulty
Installation Or Repairs.
Pressure Washing Business Insurance
Risks
Property Damage, Surface Etching,
Injury To Bystanders
Overview
Protects Pressure Washing Businesses From
Damage Caused By High-Pressure Cleaning
And Jobsite Accidents.
Remodeling Insurance
Risks
Structural damage and onsite injuries
Overview
Provides comprehensive coverage for remodelers against various risks in renovation projects.
Roofing Insurance
Risks
Falls from heights, weather damage, structural accidents
Overview
Protects roofers against fall injuries, property damage, and installation defects.
Tile/Stone Contractor Insurance
Risks
Damage to expensive materials, installation errors
Overview
Covers tile and stone installers against losses from damaged materials and installation mistakes.
Window Cleaning Insurance
Risks
Falls From Heights, Property Damage, Injury To Workers
Overview
Protects Window Cleaners Against Injuries and Property Damage While Working On Residential and Commercial Buildings.
Outdoor and Landscaping Contractors
Excavation Insurance
Risks
Site Accidents, Utility Strikes,
Equipment Damage
Overview
Shields Excavation Contractors From Claims
Related To Jobsite Accidents And Damage
To Underground Utilities.
Fencing Contractor Insurance
Risks
Property damage, underground utility damage, injury to bystanders
Overview
Provides coverage for fence contractors against property and utility damage, and injury claims.
Landscaping Insurance
Risks
Property Damage, Equipment Accidents,
Injury To Bystanders
Overview
Protects Landscapers From Claims Related To Property Damage, Equipment Operation,
And Jobsite Accidents.
Lawn Care Insurance
Risks
Equipment Accidents, Chemical Exposure,
Property Damage
Overview
Protects Lawn Care Providers From Claims
Related To Equipment Use, Chemical
Application, And Property Damage.
Masonry Insurance
Risks
Structural damage, onsite injuries
Overview
Protects masons and bricklayers from liabilities related to structural issues and workplace injuries.
Paving and Asphalt Contractors Insurance
Risks
Property Damage, Equipment Accidents,
Injury To Bystanders
Overview
Covers Paving Contractors From Claims
Related To Jobsite Accidents, Property
Damage, And Workmanship Issues.
Pool Cleaner Insurance
Risks
Chemical Handling, Property Damage,
Slip-And-Fall Accidents
Overview
Covers Pool Cleaners From Claims Related To Chemical Use, Water Damage, And
Accidents On Customer Property.
Swimming Pool Contractor Insurance
Risks
Equipment damage, excavation accidents, chemical handling, water damage, structural failures
Overview
Protects pool contractors from excavation damage, installation defects, and chemical application liabilities.
Tree Service Insurance
Risks
Property damage from falling trees, equipment accidents, injuries from heights, power line contact
Overview
Shields tree service contractors from tree removal accidents, property damage, and equipment operation claims.
Professional Service Contractors
Architect Insurance
Risks
Professional liability, design errors
Overview
Provides architects with coverage against claims arising from professional mistakes or negligence.
Home Inspector Insurance
Risks
Errors and omissions in reports
Overview
Protects home inspectors from liabilities due to oversights or errors in inspection reports.
Specialized Service Contractors
Carpet Cleaning Insurance
Risks
Damage to carpets or furnishings, chemical-related incidents
Overview
Shields carpet cleaners from liabilities related to property damage and chemical use.
Debris Removal Insurance
Risks
Property damage, environmental concerns
Overview
Protects junk removal businesses from liabilities associated with property damage and disposal issues.
Janitorial Insurance
Risks
Property damage, slip-and-fall incidents
Overview
Covers janitorial services against claims of property damage and accidents during cleaning.
Locksmith Insurance
Risks
Security breaches, property damage
Overview
Offers coverage for locksmiths against liabilities from security-related issues and property damage.
Pest Control Insurance
Risks
Chemical Exposure, Property Damage, Misapplication Claims
Overview
Protects Pest Control Businesses From Claims Related To Chemical Use, Misapplication, And Customer Property Damage.
Septic Tank Cleaning Insurance
Risks
Environmental hazards, property damage, contamination issues
Overview
Protects contractors against waste management liabilities and cleanup incidents.
Subcontractor Insurance
Risks
Liability on job sites, work errors
Overview
Covers subcontractors against liabilities arising from their work and presence on job sites.
Specialized Trade Contractors
Garage Keepers Insurance
Risks
Damage or theft of customer vehicles, liability for vehicle storage
Overview
Protects businesses storing customer vehicles from liabilities due to damage or theft.
Garage Liability Insurance
Risks
Bodily injury, property damage in auto services
Overview
Provides auto service shops with coverage against claims of injury and property damage.
Welding Insurance
Risks
Fire hazards, equipment damage
Overview
Shields welders from liabilities related to fire risks and damage to equipment.
Choosing The Right Tradesmen Insurance
When selecting insurance for your contracting business, consider the following key factors.
Specific risks
The specific risks associated with your trade
Coverage amount
Coverage limits and deductibles
Limitations
Policy exclusions and limitations
Reliability
The insurer’s reputation and financial stability
Costs
Premiums and payment options