Terms of Use

These Terms of Use govern your access to and use of Trades Coverage. By using this site, submitting a form, or contacting us through the site, you agree to these terms.

If you use the site on behalf of a business, you represent that you have authority to act for that business.

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

Trades Coverage provides contractor insurance information, quote-request tools, and contact paths for licensed support. Trades Coverage is not an insurance carrier and does not itself issue policies, set premiums, approve coverage, or handle claims.

Submitting a quote request, calling us, emailing us, uploading documents, or using any site tool does not bind, change, renew, cancel, or guarantee insurance coverage.

Coverage, eligibility, pricing, limits, exclusions, endorsements, binding, policy issuance, and claims decisions are controlled by the insurance carrier and the final policy documents.

You agree to provide accurate and complete information. Insurance quotes and coverage decisions depend on the information submitted.

You agree not to submit information for another person or business unless you have permission to do so.

You are responsible for reviewing quotes, applications, binders, certificates, policies, endorsements, exclusions, invoices, and other insurance documents before you rely on them.

Site content is general information for contractors and small businesses. It is not legal, tax, accounting, or risk-management advice.

Contract requirements, certificate wording, policy terms, state rules, and carrier guidelines can change. A licensed person or other qualified professional should review specific requirements before you make a decision.

By submitting contact information, you authorize Switchboard Risk Technologies Inc., Trades Coverage, licensed representatives, and relevant insurance partners to contact you about your request by phone, email, or text message.

Message and data rates may apply. Consent to receive text messages is not a condition of buying insurance. You can opt out of text messages by replying STOP.

You may not use the site to submit false information, impersonate another person or business, interfere with site operation, scrape or copy site content at scale, probe security systems, upload malicious code, or violate law.

The site, design, text, graphics, forms, and other content are owned by Switchboard Risk Technologies Inc. or its licensors unless otherwise stated. You may use the site for your own business insurance research and quote requests. You may not copy, sell, republish, or exploit site content without permission.

The site may reference or link to insurance carriers, wholesalers, brokers, service providers, or other third parties. Those third parties control their own services, documents, prices, underwriting decisions, privacy practices, and terms.

Our Privacy Policy explains how information is collected, used, and shared. By using the site, you also agree to the Privacy Policy.

The site is provided as available. We do not warrant that the site will be uninterrupted, error-free, secure, complete, or that any insurance option will be available for your business.

To the maximum extent allowed by law, Switchboard Risk Technologies Inc. will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, or business interruption arising from use of the site.

You agree to indemnify and hold harmless Switchboard Risk Technologies Inc. from claims, damages, liabilities, costs, and expenses arising from your misuse of the site, violation of these terms, violation of law, or information you submit.

These terms are governed by the laws of New York, without regard to conflict-of-law rules, except where another law is required to apply.

We may update these terms from time to time. The updated version will be posted on this page with a new last updated date. Continued use of the site after changes are posted means you accept the updated terms.