Contractors & Trades Risk Management
Building a successful business requires more than just skilled labor; it requires a rock-solid foundation of risk management. Whether you are breaking ground on a custom home, managing complex mechanical installations, or providing essential property maintenance, your operations face unique liabilities every day.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Commercial General Liability
High-limit protection against third-party bodily injury, property damage, and completed operations claims.
Builder’s Risk & Course of Construction
All-risk property coverage protecting structures, scaffolding, and materials during the building phase.
Commercial Auto & Heavy Fleet
Liability and physical damage protection for your work trucks and specialized transport vehicles.
Inland Marine & Equipment Floaters
Physical damage protection for your high-value tools, excavators, and diagnostic equipment, whether in the shop or on the job site.
Workers’ Compensation & Safety
Mandatory coverage for employee injuries paired with active risk management to control your premium costs.
Surety & Performance Bonds
Solutions to ensure strict compliance with project procurement standards and contract fulfillment.
Government Contract Compliance
Specialized support for businesses adhering to Federal Acquisition Regulations (FAR), including mandated liability limits and specific bonding requirements.
Professional Liability & E&O
Protection against financial losses, design disputes, or professional negligence arising from your services.
Cyber & Privacy Liability
Critical protection against ransomware, data breaches, and social engineering attacks.
High-Limit Excess Umbrella
The multi-million-dollar liability limits required to meet strict commercial lease and enterprise client contract requirements.
Trades & Service Classes We Protect
Ready to Protect Your Crew?
From the job site to the shop, let’s build a program that secures your bids and covers your crew, tools, and liability. Connect with our team for a full risk review.