Contractors
Insurance for contractors and the trades.
General liability, workers’ comp, commercial auto, tools, and umbrella, for general contractors and every trade. Certificates with the wording your GC asks for.
What contractors usually carry
- General liability, $1M / $2M
- Workers’ comp
- Commercial auto
- Tools and equipment
- Umbrella
- Builder’s risk
Your trade
Built for your trade.
Each page covers what that trade usually carries, the policy catches to watch for, and what GCs ask for. Don’t see yours? Tell us what you do and we’ll quote it.
General liability, $1M / $2M, Workers’ comp, Commercial auto
General contractorsGeneral liability, $1M / $2M, Builder’s risk, Workers’ comp
ElectricalGeneral liability, $1M / $2M, Workers’ comp, Commercial auto
PlumbingGeneral liability, $1M / $2M, Workers’ comp, Commercial auto
HVACGeneral liability, $1M / $2M, Workers’ comp, Commercial auto
LandscapingGeneral liability, $1M / $2M, Workers’ comp, Commercial auto
Every trade
56 pages
- Roofing
- General contractors
- Electrical
- Plumbing
- HVAC
- Landscaping
- Framing
- Finish carpentry and millwork
- Concrete
- Drywall
- Painting
- Masonry
- Flooring
- Tile, stone, and countertops
- Insulation
- Siding and decks
- Fencing
- Excavation and grading
- Demolition
- Paving and sealcoating
- Handyman
- Remodeling
- House flipping
- Glass and glazing
- Doors and windows
- Garage and overhead doors
- Plastering and stucco
- Gutters
- Waterproofing
- Sandblasting and surface prep
- Modular and manufactured home setup
- Commercial cleaning
- House cleaning
- Carpet cleaning
- Pressure washing
- Window cleaning
- Pool service
- Pool builders
- Tree service
- Snow removal
- Low-voltage contractors
- Solar installers
- Welding contractors
- Steel erection
- Sheet metal contractors
- Appliance installers
- Septic contractors
- Utility contractors
- Home inspectors
- Property preservation
- Restoration contractors
- Sign installers
- Fire sprinkler contractors
- Construction cleanup
- Equipment rental with operators
- Construction managers
Certificates
The certificate your GC asked for, right the first time.
A rejected certificate keeps you off the job and holds up your pay. The usual reason is a missing endorsement, so we read the insurance section of your subcontract and put the right wording on your policy before the certificate goes out.
- Additional insured, ongoing and completed operations
- Waiver of subrogation
- Primary and noncontributory
- Certificates requested from your client login
| Type of insurance | Addl insd | Subr wvd | Limits |
|---|---|---|---|
| Commercial general liability, occurrence | Y | Y | Each occurrence $1,000,000 Products, comp/op agg $2,000,000 |
| Automobile liability, any auto | Y | Y | Combined single limit $1,000,000 |
| Umbrella liability, occurrence | Y | Each occurrence $2,000,000 | |
| Workers compensation and employers liability | Y | E.L. each accident $1,000,000 |
Certificate holder is additional insured on a primary and noncontributory basis for ongoing and completed operations per CG 20 10 and CG 20 37. Waiver of subrogation applies per CG 24 04.