Trades Coverage
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Carriers make final eligibility, pricing, binding, and claims decisions.
  • Hiscox
  • The Hartford
  • Progressive Commercial
  • NEXT Insurance
  • Travelers
  • Chubb
  • AmTrust Financial
  • Great American Insurance Group

400+ carriers and market options

Specific options depend on trade, state, payroll, vehicles, and underwriting review.

What customers say

"It was great to finally find someone that knows what they are doing. Finding insurance before was a frustrating experience and I couldn't figure out why I was being declined. Getting to the right person and getting great approved quotes was a huge relief."

Alan H., sign installer

"I was dealing with a workers comp audit and lapsed insurance. I was able to get advice on how to resolve that quickly, got new insurance, and was able to get back to work quickly."

Chris L., plumber

"We needed the right insurance to match our existing contracts. The team reviewed our existing contracts, found the key conditions we needed to meet, and got us new policies and certificates of insurance the same day."

Betsy I., janitorial services

Three steps to compare contractor insurance

Tell us about the work

Tell us what kind of work you do. Add payroll, vehicles, employees, prior claims, and any contract or certificate requirements.

Check carrier options

Trades Coverage compares your information with standard and specialty insurance companies that insure contractor work in your state.

Review quotes and choose

Compare limits, exclusions, certificate wording, and price. Licensed support can help read the options before you choose a policy.

How Trades Coverage works for contractors

Contractor details first

Insurance companies ask about payroll, work type, vehicles, subcontractors, prior claims, and contract requirements. Trades Coverage asks for those details before comparing carrier options.

400+ carriers and market options

Trades Coverage compares your information with standard and specialty insurance companies. Available quotes depend on trade, state, payroll, vehicles, and prior claims.

Licensed support for contracts and certificates

Call for help with limits, additional insured wording, waiver of subrogation, certificate deadlines, or renewal questions before you choose a policy.

Start online or call licensed support

Start online

Use the form for a new policy, renewal, certificate request, or coverage change. Add trade, state, payroll, vehicles, tools, employees, and contract requirements.

Call licensed support

Call (888) 698-7698 for help reading a GC contract, fixing certificate wording, meeting a renewal deadline, or explaining work that combines several trades.

Common reasons contractors request a quote

A GC asked for a certificate

A GC may ask for proof of general liability, workers comp, auto, additional insured status, or waiver of subrogation. Share the certificate request so the quote can be checked against it.

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A contract lists insurance requirements

Contracts often list required limits, endorsements, and certificate wording. Add those details before you choose a policy.

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You are hiring employees or subs

Payroll, owner status, employee count, and uninsured subcontractor cost change workers comp pricing and general liability eligibility.

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You use trucks, trailers, or tools on jobs

Owned vehicles, hired and non-owned auto, trailers, leased equipment, and tools on the jobsite usually need coverage on top of the GL policy.

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Get quotes for these trades and more

General contractors

Builders, remodelers, and GC-led project work with subs and contract certificate requests.

Carpenters

Framing, finish work, decks, and cabinets, including jobsite tools and certificate wording.

Electricians

Residential, commercial, low-voltage, and service electrical work, plus completed operations exposure.

Roofers

Roofing, repairs, and exterior work. Quote requests cover height of work, crew size, and certificate requirements.

Painters

Interior, exterior, residential, and commercial painting, plus subcontracted crews.

Tree service

Tree trimming and removal, climbing and ladder work, equipment, vehicles, and seasonal crews.

Coverage contractors commonly carry

General liability

Covers third-party injury and property damage on the job, plus completed operations after you finish. GCs and clients usually require it on the certificate.

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Workers' compensation

Covers medical bills and lost wages for employee injuries on the job. It is often required once a business hires W-2 employees.

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Commercial auto

Covers business vehicles, including trucks and trailers. Hired and non-owned auto adds coverage when employees use their own vehicles for work.

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Tools and equipment

Inland marine covers owned tools, rented equipment, and materials in transit. Add it when a stolen trailer or damaged equipment would stop the work.

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Contractor insurance marketplace FAQ

Is it really free to get quotes?

Yes. You can ask for quotes for free, with no purchase obligation.

How long does the form take?

About two minutes for the first step. You answer questions about your trade, state, payroll, vehicles, and any contract or certificate requirements you already have on hand.

Which trades can request a quote here?

All contractor trades can request a quote here, including GCs, carpenters, electricians, plumbers, roofers, painters, masonry, drywall, flooring, tree service, and more.

Will I get a flood of spam calls?

No. We use your business details for the quote request. We never sell your information.

Do you offer workers comp and commercial auto, or only general liability?

You can ask for general liability, workers comp, commercial auto, tools and equipment coverage, surety bonds, and umbrella coverage where they apply.

How is the business licensed?

Trades Coverage is operated by Switchboard Risk Technologies Inc., a licensed insurance producer. National Producer Number (NPN): 22071809.

Ready to compare contractor insurance?

Get free quotes online. Call (888) 698-7698 for help with GC contracts, certificate wording, renewal deadlines, or current-policy questions.

Get free quotes Call (888) 698-7698