Contractor Insurance by Trade

General contractors coordinate subcontractors, manage jobsites, and carry overall responsibility for a project's outcome, which means their insurance program often needs to account for both their own operations and the work performed by subcontractors on their behalf.

Electrical contractors work inside occupied homes and businesses, and their exposure often centers on completed work — a faulty connection or panel installation can cause damage or fire well after the job is finished.

Plumbing work carries meaningful water damage exposure — a failed connection, slab leak repair, or water heater installation can lead to significant property damage claims well after the visit.

HVAC contractors install and service equipment that involves refrigerants, electrical connections, rooftop work, and ductwork, often in occupied residential and commercial buildings.

Roofing is one of the higher-risk construction trades due to fall exposure, working at height, and the potential for significant property damage claims, which means roofing accounts often require additional underwriting review.

Framing crews work with power tools, nail guns, and lumber at height during a structurally critical phase of construction, creating meaningful injury and property damage exposure on active jobsites.

Concrete contractors work with heavy materials, forms, and pump trucks, and often perform structural work such as foundations and flatwork that carries long-tail completed operations exposure.

Masonry work involves heavy materials, scaffolding, and structural elements such as block walls and retaining walls, which can create both injury exposure and long-term completed operations risk.

Painting contractors work inside occupied homes and businesses and around furniture, flooring, and finishes, so overspray, spills, and surface damage are common sources of liability claims.

Flooring installers work with adhesives, subfloor preparation, and finish materials inside occupied spaces, where installation defects can surface well after a project is complete.

Drywall and taping contractors handle heavy sheet materials and work at height on stilts or scaffolding, with exposure to both injury claims and dust or debris-related property issues.

Landscaping contractors operate mowers, trimmers, and irrigation equipment on client property, with exposure to property damage, equipment theft, and injuries from powered equipment.

Excavation work carries some of the highest severity exposure in construction, including trench collapse, underground utility strikes, and heavy equipment operation near other trades and the public.

Demolition work involves structural collapse, heavy equipment, dust, and potential exposure to hazardous materials, making it one of the higher-risk classifications in construction insurance.

Paving contractors operate heavy rollers, pavers, and hot asphalt equipment, often working near traffic and pedestrians, which creates both equipment-related and public liability exposure.

Solar installers work at height on rooftops, handle electrical connections, and install equipment that can carry long-term completed operations exposure if a roof penetration or wiring issue later causes damage.

Fence installers dig postholes, work near property lines, and often coordinate with utility locate services, which creates exposure to underground utility damage and property line disputes.

Pool contractors combine excavation, structural concrete, electrical, and plumbing work on a single project, and their finished product carries ongoing drowning and injury exposure once occupied.