Contractor insurance by trade
Pick your trade to see what coverage it needs, what it costs, how general liability and workers' compensation apply, and which state rules affect it. Each trade lists its main guide first, then cost and liability guides and state pages.
General contractors & remodelers
Insurance for general contractors, remodelers and home-improvement firms, with the state rules that apply to them.
Coverage a general contractor needs, how carriers price GC accounts based on project type and subcontracted cost, and how to compare quotes from carriers that insure general contractor work.
Learn what general contractor insurance costs for a full program, which rating factors raise the premium, and how to compare quotes from carriers that insure general contractor work.
What general liability insurance covers for a general contractor, how carriers price it, what completed operations and subcontractor provisions to watch for, and how to compare your account against a marketplace with 400+ carrier and market options.
Coverage options for home improvement contractors, how carriers classify and price remodeling, repair, and renovation work, and how to compare quotes from carriers that insure your operations.
How carriers classify and price remodeling contractor insurance by work type, payroll, and state, plus how to compare quotes from carriers that insure residential and commercial renovation.
Insurance requirements for California general contractors come from employment law, CSLB licensing, LLC rules, and project contracts, each with different coverage and limit obligations.
Illinois general contractor insurance requirements vary by municipality and license class, with Chicago requiring four distinct liability limits across five license classes, from $1M to $5M per occurrence.
What insurance a New Jersey general contractor needs for registration, contracts, and real projects. State requirements, coverage lines, endorsement checklists, and how to compare carriers that insure GC work in NJ.
Texas has no statewide GC insurance mandate, but contracts, cities, and public projects create real requirements. Learn which coverage lines Texas general contractors need and how to compare quotes from carriers that insure GC work in the state.
Contractor insurance requirements come from state law, license boards, contracts, and project owners. Learn which coverages, limits, and endorsements your jobs will ask for.
Construction insurance coverage types, how carriers price accounts based on work type, payroll, vehicles, and contract requirements, and how to compare quotes from carriers that insure your trade.
Carpenters
Carpenter insurance: coverage, cost and liability.
Coverage a carpentry business needs, how work type and classification affect premiums, and how to compare carriers that insure finish carpenters, framers, and cabinet makers.
Learn what carpenter insurance costs, which coverage lines you need, what raises or lowers your premium, and how to compare quotes from carriers that insure carpentry work.
Carpenter liability insurance covers third-party injury and property damage claims. Learn how work type affects classification and premium, and compare quotes from carriers that insure carpentry.
Electricians
Electrician insurance: coverage, cost and liability.
Electrician insurance costs, coverage options, endorsement requirements, and how to compare carriers that insure electrical work in your state.
See what electrician insurance costs by coverage line — general liability, workers compensation, commercial auto, tools, and umbrella — with median benchmarks from real applicant data. Then compare quotes from carriers that insure electrical work.
Electrician liability insurance covers third-party injury, property damage, and completed operations claims. Learn how carriers price electrical contractor policies and compare quotes.
Plumbers
Plumber insurance: coverage, cost and liability.
What insurance a plumbing business needs, how payroll and work type affect premiums, and how to compare carriers that insure plumbing work in your state.
Plumber insurance starts at $75/month for general liability in Texas. Learn what each coverage line costs, what raises the price, and how to compare quotes from carriers that insure plumbing work.
General liability insurance for plumbers covers property damage and injury from plumbing work - here is what affects cost and how to compare quotes from carriers that insure plumbing contractors.
HVAC contractors
HVAC contractor insurance: coverage, cost and general liability.
HVAC contractor insurance starts at $75/month for general liability in Texas, but most businesses need workers comp, commercial auto, tools coverage, and sometimes pollution or professional liability.
HVAC contractor general liability starts at $75 per month in Texas (NEXT published minimum premium for eligible small businesses — not a quote for your account). Most contractors pay more once they add commercial auto, workers comp, tools coverage, and contract endorsements. Here's what each line costs and how to compare quotes.
General liability insurance for HVAC contractors covers third-party injury and property damage claims, with premiums based on work type, payroll, state, and limits.
Roofers
Roofing insurance: coverage, cost and workers' comp.
What coverage roofing contractors need, how payroll and work type affect premiums, and how to compare carriers that insure roofing work in your state.
NEXT Insurance lists roofing general liability starting at $83/month for qualifying Texas businesses (minimum premium, not a quote for your account). See how payroll, work type, and contract requirements affect premiums, and compare quotes from carriers that insure roofing work.
What general liability insurance actually covers for a roofing contractor, what endorsements and exclusions can take it back, and how to compare quotes from carriers that insure roofing work.
Workers comp for roofing contractors covers employee injuries from falls, material handling, and job-site accidents. See how payroll, class codes, and state rules affect your premium.
Painters
Painter and painting business insurance: coverage, cost and general liability.
Painting business insurance starts around $40/month for general liability alone. Compare carriers that insure interior, exterior, residential, and commercial painting work.
Hiscox lists painter general liability from $40/month as a published starting point. See what each coverage line costs and how to compare quotes from carriers that insure painting work.
Compare painter general liability carriers on class fit, endorsement support, exclusions, and certificate speed before picking by monthly price. Includes a contract endorsement checker, a coverage decision flow, and a printable carrier scorecard.
General liability for painters covers property damage and injury claims from painting work. TechInsurance reports a $59/month average among its applicants. Here is what contracts require and how to compare quotes.
Handymen
Handyman insurance: coverage, cost, liability and state rules.
Handyman insurance starts around $30/month for general liability. Learn what coverage you need, how carriers classify handyman work, and how to compare quotes in your state.
Handyman general liability insurance starts at $50–$80/month for a sole proprietor. Learn what changes the price, which coverage lines add to the bill, and how to compare quotes from carriers that insure handyman work.
Handyman general liability insurance covers third-party injury and property damage on customer sites, with published starting points around $40/month for small operations. Compare quotes from carriers that insure handyman work.
California handyman businesses typically need general liability (Hiscox publishes a sole-proprietor benchmark starting around $50/month), plus workers compensation when employees are involved. This guide covers costs, certificate requirements, and the $1,000 licensing threshold.
What insurance a Florida handyman needs, what it costs starting around $50/month for GL, when Florida law requires coverage, and how to compare quotes from carriers that insure handyman work in your area.
Massachusetts handyman insurance coverage depends on the services you perform, whether you have employees, and what contracts require—here's how to compare carriers that insure your work.
Hiscox publishes a $40/month starting point for handyman insurance, with Thimble reporting a $102.46/month Texas average on its platform. Your quote depends on your specific business details.
Landscaping & lawn care
Landscaping and lawn care insurance: coverage and cost.
Landscaping insurance starts at $17/month for lawn-care general liability, but tree work, chemicals, crew size, and vehicles raise the real quote. Compare carriers that insure landscaping work.
Landscaping insurance starts at $43/month for basic lawn care GL. Learn what each coverage line costs, what raises the price, and how to compare quotes from carriers that insure landscaping work.
Lawn care insurance starts around $30 a month from Hiscox for a small operator. See monthly benchmarks for general liability, commercial auto, workers compensation, tools, and umbrella, plus the business details that shape a combined quote.
Lawn care businesses typically need general liability, commercial auto, equipment coverage, and workers comp. Thimble publishes a general liability starting price of $17/month (not a quote for your account). Chemical application work may require a pollution endorsement.
Tree service
Tree service insurance: coverage, cost and liability.
Tree service insurance costs depend on whether you do ground-level or above-ground work, and carriers price climbing and rigging exposure at roughly 2.5 times the ground-level rate.
Tree service insurance costs $57 to $204 per month per coverage line based on TechInsurance applicant medians. Learn what each policy costs, why tree work is priced separately from landscaping, and how to compare quotes from carriers that insure tree service operations.
Tree service general liability covers third-party injury and property damage from tree work, with broker-reported averages around $138 per month depending on operations, payroll, and claims history.
Pressure washing
Pressure washing insurance: coverage, cost and liability.
What insurance pressure washing businesses need, how carriers price it, and how to compare quotes based on your payroll, job mix, state, and equipment.
NEXT publishes a $75/month minimum premium for pressure washing general liability in Texas (not a quote for every business). Learn how carriers price your account and compare quotes from carriers that insure pressure washing work.
General liability insurance for pressure washing businesses covers third-party injury and property damage, but many policies exclude damage to the surface being cleaned.
Cleaning & janitorial
Insurance for cleaning, janitorial, window cleaning and pool cleaning businesses.
Commercial cleaning insurance covers janitorial, office cleaning, and exterior window work — here's what coverage you need, what it costs, and how to compare quotes.
Cleaning business insurance costs about $1,553 per year for a business owner's policy based on Hartford customer data, with total premiums shaped by service type, payroll, revenue, and location.
How much general liability insurance costs for a window cleaning business, what it covers, how work height and access method affect the quote, and how to compare options through the Trades Coverage marketplace.
Janitorial insurance costs, coverage types cleaning businesses actually need, and how to compare quotes from carriers that insure cleaning work (GL starts at $30/month from Hiscox).
Which policies a pool cleaning business may need, what each one pays for, and what to line up when comparing quotes for chemicals, crews, route trucks, and tools.
What insurance a cleaning business needs in Florida, what the state requires for workers compensation, how care-custody-control exclusions affect cleaners, and how to compare available options through the Trades Coverage marketplace.
Excavation, utility & paving
Insurance for excavation, utility and paving contractors.
Excavation insurance is several policies. See what each one pays for, how general liability can treat a utility strike, and what to check before you accept a quote.
What insurance a paving contractor needs, how carriers price the account based on work type, fleet, payroll, and project mix, and how to compare quotes across a marketplace with 400+ carrier and market options.
Utility contractor insurance covers water, sewer, gas, power, telecom, and pipeline work. Learn which coverage lines apply to your operation type and how to compare quotes from carriers that insure utility work.
Concrete & masonry
Insurance for concrete and masonry contractors.
Concrete contractor insurance covers flatwork, foundations, paving, and structural work. TechInsurance reports a general liability applicant median of about $102 per month; actual quotes depend on payroll, work type, and loss history.
Coverage, cost factors, and certificate requirements for masonry contractor insurance, including brick, block, stone, tuckpointing, and restoration work.
Drywall, flooring & tile
Insurance for drywall, flooring and tile contractors.
Drywall contractor insurance costs, coverage requirements, certificate wording for GC contracts, and how to compare quotes from carriers that insure drywall work in your state.
Flooring contractor insurance costs depend on work type, payroll, state, and claims history, with published benchmarks from TechInsurance starting at $63/month for general liability.
What insurance a tile contractor needs, what it costs based on Hartford customer averages, and how to compare quotes from carriers that insure tile and terrazzo work.
Welding, glass, gutters & marine
Insurance for welders, glass installers, gutter installers and marine contractors.
Demolition contractor insurance combines general liability, pollution liability, workers compensation, commercial auto, equipment coverage, and umbrella policies. Learn what each line covers, how carriers price demolition accounts, and how to compare quotes from specialty markets.
What insurance a stucco contractor needs, how EIFS versus traditional stucco changes what carriers will cover or exclude, and how to compare quotes from carriers that write exterior cladding work.
What insurance a welding business needs, how carriers price accounts based on work type, payroll, hot-work controls, and location, and how to compare quotes from carriers that insure welding operations.
Welding insurance is not one product with one price. General liability, workers compensation, commercial auto, and tools coverage are each priced from different inputs. Learn how each line is rated and how your operation type affects the premium.
What insurance a glass installation contractor needs, what it costs, and how to compare quotes from carriers that insure glazing work. Covers general liability, workers compensation, commercial auto, installation floaters, and certificate requirements.
Gutter installers need general liability, workers compensation, commercial auto, and inland marine coverage. Learn how carriers classify gutter work, what endorsements contracts require, and how to compare quotes from carriers that insure this trade.
Compare marine contractor insurance quotes for dock, pier, seawall, marina, and waterfront construction, including coverage lines, contract terms, and job details that affect pricing.
Texas glass installation contractor insurance commonly includes general liability, workers compensation, commercial auto, tools coverage, and protection for glass in transit or installation. Contract, local, and public-project requirements can add endorsements or higher limits.
Independent contractors & subcontractors
Insurance for independent contractors and for the subcontractors a general contractor hires.
What insurance independent contractors need, how much general liability and professional liability cost, how contracts set the requirements, and how to compare quotes from carriers that insure your work.
Progressive reports a $55 to $79 monthly general liability benchmark for new small-business customers. See what affects your quote and how to compare carriers.
What insurance subcontractors need to satisfy general contractor contracts, how carriers price subcontractor accounts, and how to compare quotes from carriers that insure your trade and state.