Trades We Insure
Choose your trade
Start with the trade page that matches your work so you get the right coverage structure and fewer underwriting delays.
Roofing Contractors
Short summary: Roofing underwriting changes quickly based on heights, tear-offs, hot work, subs, and residential vs commercial job mix. The trade page helps you align GL, workers’ comp, and auto with what you actually do and what GCs request.
General Contractors
Short summary: GCs deal with risk transfer, subcontractor certificates, and endorsement wording on almost every job. The GC trade page focuses on how coverage and compliance work when you run subs, self-perform some work, or manage multiple projects.
- Insurance for General Contractors →
Plumbing Contractors
Short summary: Plumbing risk is shaped by water damage, service work vs new builds, excavation exposure, and jobsite requirements from property managers and GCs. The plumbing trade page helps you get bid-ready documentation and avoid gaps that show up on claims.
- Link: Insurance for Plumbing Contractors →
Policies contractors typically need
Most contractors start with a core stack, then add coverage based on vehicles, tools, job types, and contract requirements.
Core policies (start here):
Common add-ons (as needed):
- Ghost Policy (with careful guidance) →
- Contractor Bonds →
- Tools and Equipment (Inland Marine) →
- Umbrella / Excess →
- Builder’s Risk →
- Professional Liability (E&O) →
Bid and compliance requirements we help with
Many “insurance problems” are really paperwork and endorsement problems. We help you request the right items the right way.
Common compliance items:
- Certificate of Insurance (COI) →
- Additional Insured endorsement →
- Primary and Noncontributory →
- Waiver of Subrogation →
If you manage subs or are asked to verify their coverage:
If you are dealing with audits and classification issues:
Fast lane routing:
- Existing client and need documents:
- Request a COI →
- Shopping coverage or new to us: Get a Quote →
Where we serve
We currently serve contractors in California and Texas and surrounding areas, without fake local office claims.
- California →
- Texas →
Not sure which trade page fits?
Choose the trade page that matches the highest-risk portion of your work or the work that drives your bid requirements.
Quick guidance:
- If most jobs involve tear-offs, steep pitches, or hot work, start with Roofing Contractors.
- If you manage subs and are routinely asked for endorsement wording, start with General Contractors.
- If most work involves service calls, tenant improvements, or water damage exposure, start with Plumbing Contractors.
If you do multiple trades, submit Get a Quote and describe your job mix so we can route underwriting correctly.
FAQs
Direct answers to common questions contractors ask before picking a trade page.
Do you only insure these three trades?
These are the initial focus trades: roofing contractors, general contractors, and plumbing contractors. If you are adjacent, use Get a Quote and we will confirm fit.
Why does trade selection matter for insurance?
Carriers price and underwrite differently based on job types, hazard level, subs usage, and claims patterns. Picking the right trade page helps you avoid misclassification and delays.
Can you help with COIs and endorsements for bids?
Yes. We support COIs and common endorsements, subject to carrier approval and the exact wording required.
Is a COI the same as an endorsement?
No. A COI is proof of coverage at a point in time. Many requirements must be granted by endorsement.
How fast can you turn a quote around?
Often the same business day when your info is complete. Complex operations and endorsement-heavy requirements can take longer depending on underwriting.
Where can I see licensing and disclosures?
Use the Disclosures page for licensing language, service area statements, and important limitations.
