Contractors and Skilled Trades
Plumbing, electrical, HVAC, roofing, painting and other skilled trade contractors.
Typical risks
Recommended coverages
Tap any coverage to add it to your quote. Selected coverages will carry through when you start your quote.
Commonly Needed
Business Owners Policy (BOP)
Bundles property and general liability for small-to-mid-sized businesses at a value price.
General Liability
Covers third-party bodily injury and property damage claims.
Commercial Property
Covers buildings, equipment and inventory against fire, theft and other covered perils.
Business Income
Replaces lost income when a covered event forces you to close temporarily.
Commercial Auto
Covers vehicles owned, leased or used in your business.
May Be Required
Trucking
Specialized auto coverage for for-hire truckers, including bobtail and non-trucking liability.
Motor Truck Cargo
Covers goods you transport for others against damage or loss.
Workers' Compensation
Covers employee injuries and work-related illness, with required statutory benefits.
Professional Liability (E&O)
Covers claims from errors or omissions in your professional services or advice.
Builders Risk
Covers buildings and materials during construction, renovation or installation.
Bonds
License, permit, performance and payment bonds for contracts and licensing.
Liquor Liability
Covers claims arising from serving or selling alcohol, including over-service.
Product Liability
Covers claims of injury or damage caused by products you make or sell.
Landlord / Rental Property
Property and liability coverage tailored for rented residential or commercial property.
Additional Protection
Cyber
Covers data breach response, recovery and liability for lost or stolen data.
Directors & Officers (D&O)
Protects directors and officers from personal liability for decisions made on behalf of the organization.
Employment Practices Liability (EPLI)
Covers claims of wrongful employment acts such as discrimination, harassment or wrongful termination.
Umbrella / Excess Liability
Adds extra liability limits above underlying policies like auto and GL.
Inland Marine
Covers movable tools, equipment and goods in transit or at job sites.
Equipment Breakdown
Covers sudden mechanical or electrical breakdown of equipment and resulting losses.
Pollution Liability
Covers claims and cleanup costs from pollution or contamination events.
Crime
Covers theft, forgery, fraud and employee dishonesty.
Vacant Property
Specialty coverage for unoccupied buildings facing vandalism and weather risks.
Flood
Covers damage from flooding, excluded by standard property policies.
E&S / Hard-to-Place
Specialty coverage through surplus-lines markets for risks standard carriers won't write.
Group Benefits
Health, dental, vision and other employee benefits to attract and retain talent.
Key-Person Life
Life insurance protecting the business from the loss of a key person.
Buy-Sell Funding
Life insurance to fund a buy-sell agreement among co-owners.
Personal Insurance Bundle
Optional review of personal auto, home, umbrella and life for owners.
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Submitting information does not bind coverage. Quotes depend on licensing, carrier availability, eligibility and underwriting. Coverage is bound only after written confirmation and completion of all required payment and binding conditions.