General liability
Injury and property damage claims from your jobs, including completed work.
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Contractors insurance for trades and general contractors
Roofers, remodelers, electricians, plumbers and GCs need coverage that satisfies clients, general contractors and city licensing offices. We package it and turn around certificates fast.
What it covers
Workers' compensation
Required for your employees and often requested for your subs.
Tools & equipment
Inland marine coverage for tools and equipment on the job or in transit.
Commercial auto
Trucks, vans and trailers used for work.
Builder's risk
Structures under construction or renovation.
Umbrella
Higher limits when a GC or project requires them.
Trades we insure
- Roofing and exteriors
- Remodeling and general contracting
- Electrical, plumbing and HVAC
- Painting, drywall and flooring
- Landscaping and snow removal
- Concrete, masonry and carpentry
Licenses and certificates
Many municipalities, including Chicago, ask for proof of liability insurance when you apply for or renew a contractor license. We issue certificates with the exact holder, additional insured and waiver wording your permit or contract requires.
Working as a sub? Ask your GC for their insurance requirements before we quote so nothing has to be re-done.
Questions we hear often
How much general liability do contractors need?
$1M per occurrence and $2M aggregate is the common minimum. Some projects require more through an umbrella.
Are my subcontractors covered by my policy?
Generally no. Your subs should carry their own coverage, and you should keep their certificates on file.
Is roofing harder to insure?
Roofing is a higher-risk class with fewer carriers, which is why comparing markets matters most here.
Get your contracting business quoted
Tell us what you need to cover. An agent will review carriers and call you back, usually the same business day.