Contractor & Trades Insurance
Contractors have one of the widest ranges of exposures in commercial insurance. A small residential renovator, an industrial millwright, and an ICI general contractor can all be contractors, but the insurance program should look completely different. We build contractor programs that match your scope, your contracts, and how you actually do the work, including what you self-perform vs subcontract.
What We're Building for You
Liability that matches your contracts
General liability is the foundation, but most jobs also require specific wording like Additional Insured, Waiver of Subrogation, primary/non-contributory language, and higher limits. We set it up once, then keep it consistent as you grow.
Professional exposure when you give advice
If you design, specify, review, project-manage, or provide recommendations, you may need contractor E&O. That includes design-build, shop drawings, commissioning, and means and methods situations where you are taking on more than pure installation.
Tools, equipment, and rentals covered properly
We insure your equipment, tools that float between job sites, and other items like non-owned rented coverage and installation floaters.
Core Coverages for Contractors
Commercial General Liability (CGL)
Covers bodily injury and property damage to others arising out of your operations, including products and completed operations. We also align your contract requirements, certificates, and common endorsements.
Contractor's E&O (Professional Liability)
Covers claims tied to professional services, advice, design responsibility, errors in planning/specification, and project management exposures. This is less standardized than CGL, so market selection and wording matter.
Contractor's Equipment and Tool Floaters
Covers mobile tools and equipment that travel from site to site. We can include coverage for equipment you rent or lease and are responsible for under the rental contract.
Commercial Property (shop, warehouse, office)
If you have a premises, we protect it properly and coordinate it with your mobile equipment and tools so you don't have gaps between in the shop and on the road.
Pollution Liability
Many CGL policies have pollution exclusions. If you work with fuel, chemicals, cutting fluids, solvents, excavation, remediation, or any exposure where a spill or release is possible, we'll tell you when a limited extension is realistic and when standalone coverage is the right move.
Cyber and Funds Transfer Fraud
Contractors are frequent targets for invoice redirection, phishing, and fraudulent EFT instructions, especially when there are multiple subs and suppliers on a project. Cyber can be far less expensive than most people assume.
Commercial General Liability (CGL)
Covers bodily injury and property damage to others arising out of your operations, including products and completed operations. We also align your contract requirements, certificates, and common endorsements.
Contractor's E&O (Professional Liability)
Covers claims tied to professional services, advice, design responsibility, errors in planning/specification, and project management exposures. This is less standardized than CGL, so market selection and wording matter.
Contractor's Equipment and Tool Floaters
Covers mobile tools and equipment that travel from site to site. We can include coverage for equipment you rent or lease and are responsible for under the rental contract.
Commercial Property (shop, warehouse, office)
If you have a premises, we protect it properly and coordinate it with your mobile equipment and tools so you don't have gaps between in the shop and on the road.
Pollution Liability
Many CGL policies have pollution exclusions. If you work with fuel, chemicals, cutting fluids, solvents, excavation, remediation, or any exposure where a spill or release is possible, we'll tell you when a limited extension is realistic and when standalone coverage is the right move.
Cyber and Funds Transfer Fraud
Contractors are frequent targets for invoice redirection, phishing, and fraudulent EFT instructions, especially when there are multiple subs and suppliers on a project. Cyber can be far less expensive than most people assume.
Tell us what you do, and we'll build the right program.
Residential, commercial, industrial — we find coverage for wherever your projects take you.
The fastest way to get this right is a 30-45 minute scope review. We'll ask a few practical questions, then shop the right carriers and structure the coverages to match your contracts and your real exposures.
Key Things to Know
Residential vs Commercial vs Industrial vs ICI
Insurers underwrite contractors based on where the work happens and what's involved. Working in occupied homes is different than working in a plant. ICI work brings contract language, higher limits, and tighter certificate requirements.
Subcontractors can create gaps if you're not careful
If you sub out work, you need consistent proof of insurance from subs and the right wording on their certificates. Many claims disputes start with who was responsible. We help you set a simple standard so you're not chasing paperwork at the worst possible time.
Faulty work vs resulting damage
Most liability policies are not warranties for the cost to redo your own work. The bigger issue is the damage that follows, plus defense costs. We help you understand where the line is, and what you can do to reduce disputes.
Residential vs Commercial vs Industrial vs ICI
Insurers underwrite contractors based on where the work happens and what's involved. Working in occupied homes is different than working in a plant. ICI work brings contract language, higher limits, and tighter certificate requirements.
Subcontractors can create gaps if you're not careful
If you sub out work, you need consistent proof of insurance from subs and the right wording on their certificates. Many claims disputes start with who was responsible. We help you set a simple standard so you're not chasing paperwork at the worst possible time.
Faulty work vs resulting damage
Most liability policies are not warranties for the cost to redo your own work. The bigger issue is the damage that follows, plus defense costs. We help you understand where the line is, and what you can do to reduce disputes.
Common Contractor Add-Ons That Matter
These are the coverages contractors often discover only after a claim. We aim to get ahead of it.
Frequently Asked Questions
What do you need to quote contractor insurance?
Your scope of work, where you work (residential/commercial/industrial/ICI), annual revenue, payroll/subcontractor spend, whether you do design-build or provide professional services, and any contract insurance requirements you are seeing.
Ready to Work with an Expert?
Talk to a Product Expert Today!
Get personalized advice and a quote tailored to your specific needs.