California License #4472487 | Texas License #3365362 | NPN License #21655529

TradesPeople Insurance Coverage Specialists

Protect Every Project. Shield Your Crew. Build with Confidence.

No office. No clock-watching. No room for error.

If you’re in the trades — roofing, plumbing, electrical, HVAC — your work lives on job sites, rooftops, attics, under sinks, and behind walls. That means you face daily risk, not just from injuries, but from lawsuits, property damage, equipment theft, or even paperwork mistakes.

At WorkersInsurance.com, we specialize in insurance for tradesmen including:

🪜 Roofers (residential, commercial, steep-slope, flat, coatings)
🔧 Plumbers (install, service, repipe, drain cleaning)
⚡ Electricians (residential, commercial, panel upgrades, low-voltage, solar)
❄️ HVAC Technicians (installation, repair, ducting, refrigeration, rooftop units)

📍 We currently support tradespeople in California, Texas, Arizona and Florida. If you’re located elsewhere and want access to trade-specific guidance, we welcome your call — and can advise where possible.

✅ We make sure you meet contractual minimums, list your GC as an Additional Insured, and issue COIs that prove you’re job-ready.

Secure your future with Workers Insurance

🛡️ General Liability Insurance for Trades

Covers third-party injuries or property damage. If someone gets hurt or something breaks on your job site, GL pays for legal defense and settlements. It’s required by almost every commercial client and Tradesperson.

👷‍♂️ Workers’ Compensation Insurance

Covers employee injuries, medical bills, and lost wages. Required by law in most states, even for small crews or 1099s. Helps you stay compliant and avoid fines or lawsuits.

🚛 Commercial Auto Insurance

Your trucks, vans, dump trucks, and trailers aren’t covered by personal policies. Commercial auto protects your mobile assets, crew transport, and jobsite travel.

🔧 Tools & Equipment Insurance

Covers your drills, saws, compressors, and portable gear from theft, loss, or vandalism. Essential for mobile or high-theft-risk environments.

🏗️ Inland Marine Insurance

Protects equipment in transit between job sites or stored temporarily in trucks, trailers, or containers.

Tradesmen Insurance Overview

🔹 What Insurance Does a Tradesman Really Need?

Every trade has its own exposure — but whether you’re carrying copper, compressors, conduit, or coil — you’ve got real risk to manage.

Essential coverages every tradesman should carry:

✅ General Liability Insurance — Covers property damage and bodily injury caused by your work. Required on nearly every job.

✅ Workers’ Compensation Insurance — Pays for job-related injuries, lost wages, and lawsuits from crew members. Often legally required.

✅ Commercial Auto Insurance — Covers your work truck or van when personal policies won’t.

✅ Tools & Equipment Coverage (Inland Marine) — Covers the gear that earns your paycheck — from press guns to ladders to snips and saws.

✅ Contractor’s Bond — Required by licensing boards and municipalities for permit pulls and public work.

These are the foundational policies for protecting your income, your business, and your name.

🔒 Pro Tip: Smart Coverage for Elite Business Owners — Bundle & Save Without Cutting Protection

🔹 Advanced Protection for Trade-Specific Needs

If you’re growing, subcontracting, bidding commercial jobs, or taking on higher-value installs, you may also need:

Commercial Umbrella Insurance — Adds extra coverage if a lawsuit exceeds your primary policy limits (especially for roofers).
Employment Practices Liability Insurance (EPLI) — Protects against employee-related lawsuits (wrongful termination, harassment).
Professional Liability (E&O) — For tradesmen who design, consult, or spec systems.
Builder’s Risk Insurance — Temporary protection for materials and structures under active construction.
Cyber Liability — For contractors handling invoices, payments, or client data through digital tools.

📌 Our job is to assess what you do, how you do it, and where the cracks in coverage might be — then seal those gaps without overloading your premiums.

💡 Solution: We customize every policy stack based on your scope, structure, and risk — no bloated premiums, no missing coverages.

🔹 Real Claims That Can Destroy an Uninsured Tradesman

$38,000 – Client sues after a newly installed water heater floods their hardwood floors
$126,000 – Roofer falls from ladder. Crew member sues. Workers’ Comp pays out medical + missed wages
$62,000 – Panel short causes fire weeks after install. Client claims faulty wiring. GL covers defense and payout
$8,400 – HVAC gauges, vacuum pump, and torch kit stolen from locked van. Inland Marine reimburses
$270,000 – Electrician involved in jobsite vehicle accident. Commercial Auto + Umbrella policy saves business from collapse

❌ Without protection, you’re paying out of pocket.

✅ With it? You move forward, take the next job, and stay in the game.

💬 Even a single misunderstanding with an employee or client can expose you to six-figure liability without the right policy.

Call Now > 📞

🧠 Why Tradesmen Choose WorkersInsurance.com

🛠️ We Work With Your Tools in Mind — From press guns to conduit benders to compressors, we insure the gear that feeds your family.
🧠 We Understand Your Workflow — You don’t sit at a desk. Neither do we. We adapt to your job schedules, truck needs, and licensing cycles.
💬 Real Conversations. Real People. — You’ll get an advisor who knows the trades — not a generic call center.
📦 Policies That Fit Like a Toolbelt — No fluff. No oversell. Just coverage that works as hard as you do.

• • 📍 California, Texas, Arizona and Florida Compliance Ready — We keep your insurance up to code with CSLB licensing, city bonding, and project-specific requirements.

✅ With WorkersInsurance.com — you’re shielded.

Priority Concerns & SOLUTIONS

✅ “I’ve been doing this 20 years without a single claim. Why would I start paying now?”

Because your streak doesn’t stop risk from coming — it just means it hasn’t hit yet. Insurance isn’t punishment for being unlucky. It’s your defense fund when the job fights back.

💣 Here’s the Risk:

You’re tearing off a roof. A gust of wind sends debris flying onto a neighbor’s luxury vehicle. The claim is $32,000. You don’t have liability coverage. Now you’re negotiating with lawyers instead of closing out the job.

🛡️ Gold Standard Solution:

We create minimalist, high-impact coverage built around your trade. You pay only for what protects your real exposure — not padded fluff.

That way, your streak becomes a badge of professionalism, not a gamble with your future.

With coverage in place, you can ensure your livelihood won't become an unfortunate statistic, like so many Tradesmen each year. We hope that you never need protection. However, that isn't the reality for so many under covered business owners.

✅ “I work solo or with one guy — do I still need Workers’ Comp?”

In most cases — Yes. Even if your “helper” is a 1099, if you control their work hours, provide tools, or direct how they work, you may be liable if they get hurt. And state labor boards don’t wait for you to figure that out — they come for fines and backdated premiums.

💣 Here’s the Risk:

Your apprentice slices their hand on sheet metal. No Workers’ Comp. You get hit with medical bills and a labor department audit. You’re fined $18,000 plus back premiums.

🛡️ Gold Standard Solution:

We analyze how you operate: solo, small crew, or rotating labor. Then we structure compliant coverage — and show you how to legally shift risk where appropriate.

You protect your workers, your license, and your wallet — all at once.

We create lean, efficient WC policies for micro-teams, family businesses, and Tradesmen that still give you full-spectrum protection.

✅ “I drive my personal truck. I don’t need commercial auto, right?”

Wrong. Most personal auto policies exclude business use — especially when the truck is lettered, carries tools, or transports materials. One accident while en route to a job could leave you totally uncovered.

💣 Here’s the Risk:

You rear-end a Tesla while hauling copper pipe and PVC. You’re at fault. The insurer sees the ladder rack and business magnet and denies the claim. You’re left paying $16,000+ in damages and a lawsuit for loss of income.

🛡️ Gold Standard Solution:

We structure contractor-grade commercial auto coverage that protects you whether you’re in a half-ton, a van, or a lifted diesel. Your wheels are your business — we treat them that way.

✅ “My tools are my lifeline. What if they get stolen?”

Tool theft is rampant — especially from job sites, trailers, or open beds. And homeowners policies or standard liability do not cover them.

💣 Here’s the Risk:

You go to grab your Ridgid press gun, and it’s gone. Trailer’s been popped. So is your schedule for the week. You eat $9,000 in losses and lose three jobs because you can’t work without your gear.

🛡️ Gold Standard Solution:

We lock in portable tools and equipment coverage that travels with you — on-site, in your trailer, in your van. From threaders to conduit benders, gauges to compressors — if it makes you money, we make sure it’s protected.

Your policies evolve with your equipment. You scale smart, stay lean when possible, and protect your investments.

✅ “I just do residential jobs. Do I really need this much coverage?”

Absolutely. Most residential claims are emotional, fast, and expensive. Clients don’t sue calmly — they sue hard and fast when something breaks, floods, or burns.

💣 Here’s the Risk:

A leaky joint floods a kitchen. Hardwood destroyed. Client sues for damages and emotional distress. Your liability policy is maxed. You’re stuck with the rest — or worse, they go after your license.

🛡️ Gold Standard Solution:

We match your job type, property value, and contract size with appropriate coverage. No overkill — just real-world limits for real-world risks.

Your coverage doesn’t just protect your bank account — it protects your reputation.

🔒 Pro Tip: Let us review your contracts, unique needs, and recommend the right level.

Licensed Insurance Partners

Experience Coverage with Peace of Mind

Top Rated Licensed Insurance Partners for Contractors, Truckers, Tradesmen and Business Owners

WorkersInsurance.com proudly partners with America's most trusted MGAs and carriers to ensure every Client gets fast, fair, and fully compliant coverage.

Not locked into one carrier — we shop the best advantage based on your risk class exposure and payroll.

Why Choose WorkersInsurance.com?

Because you don’t need a maze of forms, confusing laws, or sketchy salespeople. You need:

Fast, compliant coverage from experienced agents
Sean Belding is licensed in CA, TX, & AZ
Licensed partners in all 50 states
Specialized knowledge for your industry
Real-time quotes with no obligation
Support you can trust

WorkersInsurance.com helps to craft elite policies—we are also able to connect you with handpicked, A+ Top-Rated, US-based experts.

But more importantly, we filter out the fluff and only connect you with our licensed, reputable professionals who know how to get you covered—fast.

Get Covered in Minutes >

TRadesmen Insurance Coverage - FAQs

Please reach us at coverage@workersinsurance.com if you cannot find an answer to your question.

🔹 What is tradesmen insurance, and why is it different from standard business insurance?

Tradesmen insurance is a tailored set of coverages designed specifically for skilled professionals who work in high-risk, hands-on environments—whether that’s scaling rooftops, installing electrical systems, repairing HVAC units, or running plumbing lines. Unlike generic business policies, it accounts for jobsite hazards, specialized tools, customer property exposure, subcontractor liability, and state licensing requirements. This ensures you’re covered for both on-site accidents and off-site liability that’s common in service-based trades.

🔹 What are the core coverages every tradesman should carry?

A complete tradesmen insurance package typically includes:

General Liability – Covers bodily injury, property damage, and personal injury claims.
Commercial Auto – For vehicles used to transport tools, equipment, and crew.
Workers’ Compensation – Required in most states to cover employee injuries.
Tools & Equipment Coverage – Replaces stolen, lost, or damaged tools—whether on the jobsite or in your truck.
Completed Operations Coverage – Protects against claims arising after the job is finished (e.g., a faulty installation).
Umbrella Liability – Adds extra protection above your standard policy limits.

🔹 How does general liability protect tradesmen?

General liability insurance covers third-party claims such as:

A client slipping on a wet floor during a plumbing repair.
A ladder falling and damaging a customer’s vehicle.
Electrical work causing property damage after installation.

It pays for legal defense costs, settlements, and judgments—ensuring a single accident doesn’t destroy your business financially.

🔹 Do I need insurance for my tools and equipment?

Absolutely. Tools and equipment are your livelihood. Inland marine coverage (often called tools & equipment insurance) protects items from theft, fire, vandalism, or accidental damage—even while in transit or stored at a jobsite. Without it, replacing stolen gear could cost thousands out-of-pocket.

🔹 Does my policy cover subcontractors I hire?

🔹 Not automatically. Many tradesmen hire subcontractors for specialized work, but unless your policy is written to cover them—and they carry their own proof of insurance—you could be liable for their mistakes or injuries. The safest approach is to require Certificates of Insurance from all subs before they step on-site.

What is “completed operations” coverage, and why is it important?

Completed operations coverage protects you after the work is done. For example:

A roofing job develops leaks months later, causing interior water damage.
An HVAC installation malfunctions and damages a client’s property.

Without this, claims that arise after project completion could leave you footing the bill.

🔹 How does commercial auto insurance work for tradesmen?

If you use vans, trucks, or trailers to carry tools, parts, and crew, personal auto insurance won’t cover business use. Commercial auto covers:

Accidents causing damage or injury.
Loading/unloading incidents.
Replacement cost for vehicles after total loss.

You can also add hired and non-owned auto coverage if you rent or borrow vehicles for work.

🔹 Is workers’ compensation required for my trade?

In most states, yes—if you have employees. Workers’ comp covers medical bills, lost wages, and rehabilitation costs for employees injured on the job. Even in states where it’s optional for small crews, it’s a smart way to avoid costly lawsuits.

🔹 How can tradesmen protect against lawsuits for faulty workmanship?

Carry errors and omissions (E&O) coverage for professional mistakes.
Maintain completed operations coverage for post-project issues.
Document all work, contracts, and warranties to prove due diligence.
Use quality materials and licensed subcontractors to reduce risk.

🔹 Does insurance cover damage to the property I’m working on?

Yes—if you have general liability and, for larger projects, installation floater coverage. This protects the value of work and materials in progress until the job is complete and accepted by the client.

🔹 What’s the benefit of an umbrella policy for tradesmen?

An umbrella policy adds $1–$5 million in extra liability protection beyond your existing policy limits. This is especially important for roofers, electricians, and plumbers who work on high-value properties where a single claim can exceed standard coverage.

🔹 How can I lower my tradesmen insurance premiums without sacrificing coverage?

Maintain a clean safety record and enforce jobsite safety protocols.
Bundle general liability, commercial auto, and property policies.
Install GPS and anti-theft devices in work vehicles.
Keep tools and equipment locked and inventoried.
Review your coverage annually to remove outdated assets.

🚨 Get Covered Now — Licensed, Trusted, A+ Rated Partners

California License #4472487 | Texas License #3365362 | NPN License #21655529