A specialty trade contractor is a professional who provides specialized services in construction, such as plumbing, electrical, carpentry, HVAC, roofing, and other similar trades. These contractors typically work on a project-by-project basis, and their services are typically needed during specific stages of a construction project.

Specialty trade contractors require several types of insurance coverage to protect themselves against the risks associated with their work. Some of the most common types of insurance that specialty trade contractors need include:

1. General Liability Insurance: This type of insurance protects specialty trade contractors against lawsuits and claims that may arise from third-party bodily injury, property damage, or personal injury. It covers the legal fees, medical expenses, and other associated costs that result from such claims.

2. Workers' Compensation Insurance: This type of insurance is mandatory in most states and provides benefits to employees who are injured or become ill as a result of their work. It covers medical expenses, lost wages, rehabilitation costs, and other associated expenses.

3. Professional Liability Insurance: This type of insurance, also known as errors and omissions insurance, protects specialty trade contractors against claims that may arise from professional negligence, errors, or omissions in their work.

4. Commercial Auto Insurance: This type of insurance covers vehicles used for business purposes, such as trucks, vans, or other company-owned vehicles. It provides coverage for liability, collision, and comprehensive damages.

The specific insurance needs of a specialty trade contractor will depend on the nature of their work and the specific risks associated with their trade. It is always recommended to consult with an insurance professional to determine the most appropriate insurance coverage for your business.

Here are some examples of Specialty Contractors who we insure: