Contractors & Trades Insurance
Coverage shaped around how tradespeople actually work, with certificates ready when the job calls for them.
Contractors and trades insurance brings together the coverages a working contractor usually needs, such as general liability, tools and equipment, commercial auto, and workers compensation. It may help cover job-site injuries, property damage, and claims tied to your work. General contractors and clients often ask for certificates of insurance and additional insured status, which we can handle quickly.
What it is
Most trades need more than one policy, and this coverage ties those pieces together for electricians, plumbers, framers, painters, landscapers, and similar work. A program like this often includes general liability for third-party claims, coverage for tools and equipment, commercial auto for work vehicles, and workers compensation if you have a crew. We also handle the certificates of insurance and additional insured endorsements that general contractors commonly require before you can start.
What it may help cover
- Third-party injury and property damage claims
- Completed operations tied to your finished work
- Tools and equipment on the job or in transit
- Work vehicles through commercial auto
- Employee injuries through workers compensation
- Certain damage you cause to a client’s property
- Legal defense for covered claims
What it commonly excludes
Coverage depends on the policy wording. Some things a policy like this commonly does not cover:
- Faulty workmanship needing repair on its own
- Professional design errors without added coverage
- Pollution and mold in many forms
- Wear and tear on your tools
- Fines for permit or license issues
Who should carry it
Contractors and tradespeople who work on client property, hire crews, or bid on jobs that require proof of insurance should carry a program built for their trade. General contractors and property owners in Whittier and greater Los Angeles routinely ask for certificates of insurance and additional insured status before letting you on site. Getting the right pieces in place, and understanding your license and bond context, is worth reviewing before you sign a contract.
Common gaps we check for
- Certificates or additional insured wording not in place
- Tools and equipment left uninsured
- Crew driving without commercial auto
- Assuming a bond replaces liability insurance
- Limits below what a contract requires
A real-world example
A framing crew in Whittier accidentally cracks a homeowner’s tile floor while moving materials. The general contractor asks for proof of coverage before the next phase. A contractor liability policy may help cover the damage, and we can send the certificate the same day, depending on the policy wording.
What affects the cost
- Your specific trade and the work you do
- Annual revenue and payroll
- The size of your crew
- Coverage limits clients require
- Your claims history
- The tools and vehicles you insure
Questions clients ask
Can you send a certificate of insurance quickly?
What does adding an additional insured mean?
Is insurance the same as a contractor license or bond?
Do I need workers compensation for my crew?
Does this cover my tools if they are stolen from a truck?
Related coverage
Not sure what you need?
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