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400+ carriers and market options
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Three steps to compare contractor insurance
Tell us about the work
Tell us what kind of work you do. Add payroll, vehicles, employees, prior claims, and any contract or certificate requirements.
Check carrier options
Trades Coverage compares your information with standard and specialty insurance companies that insure contractor work in your state.
Review quotes and choose
Compare limits, exclusions, certificate wording, and price. Licensed support can help read the options before you choose a policy.
How Trades Coverage works for contractors
Start online or call licensed support
Start online
Use the form for a new policy, renewal, certificate request, or coverage change. Tell us the trade, state, coverage, and business name.
Call licensed support
Call (888) 698-7698 for help reading a GC contract, fixing certificate wording, meeting a renewal deadline, or explaining work that combines several trades.
What do you need coverage for?
A GC asked for a certificate
A GC may ask for proof of general liability, workers comp, auto, additional insured status, or waiver of subrogation. Share the certificate request so the quote can be checked against it.
A contract lists insurance requirements
Contracts often list required limits, endorsements, and certificate wording. Add those details before you choose a policy.
You are hiring employees or subs
Payroll, owner status, employee count, and uninsured subcontractor cost change workers comp pricing and general liability eligibility.
You use trucks, trailers, or tools on jobs
Owned vehicles, hired and non-owned auto, trailers, leased equipment, and tools on the jobsite usually need coverage on top of the GL policy.
Get quotes for these trades and more
General contractors
Builders, remodelers, and GC-led project work with subs and contract certificate requests.
Carpenters
Framing, finish work, decks, and cabinets, including jobsite tools and certificate wording.
Electricians
Residential, commercial, low-voltage, and service electrical work, plus completed operations exposure.
Roofers
Roofing, repairs, and exterior work. Quote requests cover height of work, crew size, and certificate requirements.
Painters
Interior, exterior, residential, and commercial painting, plus subcontracted crews.
Tree service
Tree trimming and removal, climbing and ladder work, equipment, vehicles, and seasonal crews.
Coverage contractors commonly carry
General liability
Covers third-party injury and property damage on the job, plus completed operations after you finish. GCs and clients usually require it on the certificate.
Workers' compensation
Covers medical bills and lost wages for employee injuries on the job. It is often required once a business hires W-2 employees.
Commercial auto
Covers business vehicles, including trucks and trailers. Hired and non-owned auto adds coverage when employees use their own vehicles for work.
Tools and equipment
Inland marine covers owned tools, rented equipment, and materials in transit. Add it when a stolen trailer or damaged equipment would stop the work.
Contractor insurance marketplace FAQ
Is it really free to get quotes?
Yes. You can ask for quotes for free, with no purchase obligation.
How long does the form take?
About two minutes for the first step. You answer questions about your trade, state, payroll, vehicles, and any contract or certificate requirements you already have on hand.
Which trades can request a quote here?
All contractor trades can request a quote here, including GCs, carpenters, electricians, plumbers, roofers, painters, masonry, drywall, flooring, tree service, and more.
Will I get a flood of spam calls?
No. We use your business details for the quote request. We never sell your information.
Do you offer workers comp and commercial auto, or only general liability?
You can ask for general liability, workers comp, commercial auto, tools and equipment coverage, surety bonds, and umbrella coverage where they apply.
How is the business licensed?
Trades Coverage is operated by Switchboard Risk Technologies Inc., a licensed insurance producer. National Producer Number (NPN): 22071809.
Ready to compare contractor insurance?
Get free quotes online. Call (888) 698-7698 for help with GC contracts, certificate wording, renewal deadlines, or current-policy questions.