From a solo electrician to a multi-crew general contractor, the right policy protects your tools, your crew, and your business from the risks that come with working on other people's property.
Every trade is a little different, but most contractors end up carrying some combination of the coverage below.
A dropped tool or a mistake on the job can damage a client's property — general liability helps cover the repair cost and any resulting claim.
Construction and trade work carry real injury risk. Workers' comp helps cover medical costs and lost wages if a crew member gets hurt.
Tools and equipment left on a job site or in a vehicle can walk off or get damaged — coverage built for contractors accounts for that.
