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No cost to start
Quote requests are free to start and carry no purchase obligation. Share your trade and contract details, then decide once you see carrier options.
How Trades Coverage helps contractors compare insurance options
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Built around contractor work
Carriers ask about your trade, payroll, vehicles, subcontractors, and the contracts you sign. Trades Coverage collects those details so quotes reflect your actual job.
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Phone help for hard questions
When a GC asks for a specific endorsement or a certificate holder is wrong, licensed support can read the contract language and explain what the carrier needs.
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From work details to carrier quotes in three steps
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Share work and contract details
Tell us your trade, where you work, payroll or revenue range, vehicles, subcontractor use, and any contract a GC or property owner has handed you. These are the inputs carriers price against.
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Compare carrier options
Carriers that write contractor accounts in your state review the details and send pricing and coverage terms. You see options that come back so you can read limits, deductibles, and endorsements before deciding.
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Pick a policy and bring questions
Choose the carrier and policy that fit. Licensed support can walk through GC contract requirements, certificate holders, additional insureds, and waiver of subrogation language before the carrier issues the policy.
When a contract is the reason you need coverage
General contractors, property managers, and municipalities set insurance requirements before they let a contractor on the job. These are the requirements that send most contractors looking for a quote.
- A GC contract that names specific limits, additional insureds, and waiver of subrogation language
- A certificate holder requesting proof of general liability, workers compensation, or commercial auto before the start date
- A renewal coming up where last year's premium jumped after a claim, an audit, or a payroll change
What carriers ask about contractor work
Carriers price contractor accounts on a short list of facts. Knowing what they ask makes the conversation faster and the quotes more accurate.
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Trade and type of work
Roofing, electrical, framing, HVAC, and concrete each carry different loss patterns. Carriers ask which trade you run and whether any work happens at height, underground, or on residential versus commercial sites.
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Payroll and subcontractors
Workers compensation and general liability premiums move with payroll, owner draw, and 1099 subcontractor spend. Carriers ask how much work you keep in-house and how much you hand to subs.
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Vehicles, tools, and equipment
Trucks, trailers, and owned equipment sit on commercial auto and inland marine policies. Carriers ask about garaging address, driver MVRs, and the replacement value of tools you carry job to job.
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Contracts, claims, and certificates
Carriers look at prior claims, current contract requirements, and the certificates a GC or property owner has demanded. Bring the GC's insurance requirements page when you start a quote.
What Trades Coverage is and is not
What Trades Coverage is
- A way to compare contractor carriers Trades Coverage gathers your trade and contract details and brings them to carriers that write contractor accounts in your state.
- A place for hard contract questions Licensed support can read GC insurance requirements, explain additional insured and waiver language, and tell you what a carrier will need to satisfy a certificate request.
- Free to start Quote requests are free to start and carry no purchase obligation. You decide whether to bind once you have read the carrier's coverage terms.
What Trades Coverage is not
- Not the insurance company Trades Coverage does not write, price, bind, or issue policies. Carriers do that on their own paper.
- Not a captive office for one brand We do not sell a single carrier's product line. You see options from carriers that write your trade in your state.
- Not the claims handler When something happens on the job, the carrier on the policy handles the claim. Their adjusters, not Trades Coverage, make claim decisions.
Have a contract, certificate, or renewal coming up?
Share the trade, the state, and the contract or certificate that prompted the search. Carriers that write contractor work in your state can send pricing and coverage terms for comparison.
Common questions about contractor insurance quotes
Starting a quote
How long does the first step take?
About 2 minutes if you have your trade, state, payroll range, and any GC contract requirements in front of you. Harder accounts with multiple vehicles or out-of-state work take longer because carriers ask more questions.
Does it cost anything to start?
Quote requests are free to start and carry no purchase obligation. You can compare carrier options and walk away if nothing fits.
What should I have ready?
Have your trade, work states, payroll or revenue range, vehicles, subcontractor spend, prior claims, and the GC contract or certificate request that prompted the quote.
Working with carriers
Who decides what coverage I get?
The carrier you pick decides what they will write, at what limits, and with which endorsements. Trades Coverage shows you what each carrier returned so you can compare.
Can someone read my GC contract with me?
Yes. Licensed support can walk through additional insured wording, waiver of subrogation, and primary and non-contributory language so the certificate the carrier issues matches what the GC asked for.
Who handles claims after I bind?
The carrier on the policy handles claims. Their adjusters investigate the loss, set reserves, and decide payment under the policy terms.