Skilled Trades
Protection for tools, equipment, and job site risks.
Coverage built for the job site, not the office
Grow your skilled trades business with confidence, knowing your equipment, your crew, and your work are protected. A plumber is exposed to different risks than a 10-person team of electricians, so coverage needs to reflect the specific trade and scale of the work, not a generic contractor package.
Who we work with
- Plumbers
- Electricians
- Carpenters and general contractors
- HVAC technicians
- Roofers and specialty contractors
Common risks in skilled trades
- General liability, for injuries, damage, or reputational harm connected to work performed on-site
- Errors & omissions, covering professional mistakes that affect a client’s property or project
- Tools and equipment loss, since trades depend on equipment that’s expensive to replace and often mobile
- Vehicle risk, for owned, rented, or leased vehicles used to get crews and equipment to the job
- Cyber exposure, from scheduling, invoicing, and client data handled digitally
What coverage typically looks like
Most skilled trades businesses combine general liability, errors & omissions, and commercial auto as a base, with cyber insurance added depending on how much is handled digitally. Pricing depends heavily on business size, contractual requirements, and the specific risks of the trade itself, a plumber and an electrical crew are priced differently for good reason.