Insurance for Every Type of Contractor

Yes, significantly. Insurance carriers classify contractors by the type of work they perform, and each classification has its own base rate reflecting the historical claims for that trade. Roofing and structural steel are among the highest-rated, while painting and tile work tend to be lower-rated. The more accurately your policy reflects the work you actually do, the more accurately it is priced.

Often yes. If you perform multiple types of work (e.g., general contracting that includes electrical and plumbing), your policy can be written to cover multiple operations and classification codes. It's important to accurately represent all the work you do — failing to disclose a trade or operation can result in a denied claim.

Requirements vary by state and trade. Generally, states require proof of general liability insurance and, if you have employees, workers' compensation. Some states also require a surety bond. California (CSLB), Nevada (NSCB), Arizona (ROC), and Utah all have specific minimums. We can help you meet your state's licensing insurance requirements quickly.

Absolutely. Working as a subcontractor does not exempt you from needing your own insurance. The GC's policy will not cover your independent work, your employees, or your liability. In fact, most GCs require all subs to carry their own GL and workers comp with specific minimum limits and to add the GC as an additional insured before they can work on the project.