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 Coverages Every Tradesman Needs
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 Below
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 installers against damage and accidents during appliance setup and delivery.
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.
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: Product liability, property damage
Overview: Shields floor covering contractors from claims related to defective products and installation mishaps.
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: Property damage, personal injuries
Overview: Covers installers against damages and injuries that may occur during door and millwork installations.
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: Water damage, structural issues, workmanship errors
Overview: Protects contractors from claims related to moisture damage and installation defects.
Plumbers Insurance
Risks: Water damage, structural issues, workmanship errors
Overview: Protects contractors from claims related to moisture damage and installation defects.
Pressure Washing Business Insurance
Risks: Property damage, personal injury
Overview: Protects pressure washing businesses from damages caused by high-pressure equipment and accidents.
Remodeling Insurance
Risks: Structural damage, 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: Property damage, injuries from falls
Overview: Offers coverage for window cleaners against property damage and accidents occurring at heights.
Outdoor and Landscaping Contractors
Excavation Insurance
Risks: Site accidents, utility damage
Overview: Shields excavation contractors from liabilities due to site 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, plant loss
Overview: Protects landscaping contractors from claims related to property damage, equipment operation, and plant installation failures.
Lawn Care Insurance
Risks: Equipment accidents, chemical exposure, property damage
Overview: Protects lawn care providers against equipment operation, chemical application, and property damage claims.
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, environmental hazards
Overview: Covers paving contractors against property damage and environmental claims.
Pool Cleaner Insurance
Risks: Chemical handling, property damage
Overview: Covers pool cleaners against liabilities from chemical mishandling and property damage.
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 access
Overview: Provides pest control businesses with protection against claims related to chemical use and 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 factors such as:
- The specific risks associated with your trade
- Coverage limits and deductibles
- Policy exclusions and limitations
- The insurer’s reputation and financial stability
- Premiums and payment options
Get Insured Today
Don’t leave your contracting business exposed to unnecessary risks. Explore our specialized contractor insurance options to find the right coverage for your trade. Click on the links above to learn more about each type of insurance and get a personalized quote today.