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Trades

HandymanElectricianPlumberHVACLandscapingPainterGeneral contractorCarpenterFlooringDrywallConcreteJanitorialPressure washingFencing
All trades and typical costs

Coverage

General liabilityWorkers compCommercial autoTools & equipmentLicense & surety bondsBusiness owners policy

Guides

Contractor insurance cost calculatorCheap contractor insuranceWorkers comp requirements by stateCertificate of insurance guideBest handyman insuranceHandyman insurance costCheap handyman insuranceHandyman rules by state How it works About us
Tradesman insurance for 14 trades

Contractor insurance, compared in one place.

Compare contractor insurance quotes from licensed insurers and agents. Tell us your trade, your state, and how you work, then weigh real options side by side. Free, with no obligation to buy.

See how it works
  • 14 trades covered
  • All 50 states and DC
  • $0 to compare
FreeNo obligation
Start your quote
Coverage trades usually compare
  • General liability
  • Workers comp
  • Commercial auto
  • Tools & equipment
  • License & surety bonds
  • Business owners policy

Takes about 2 minutes. We are not an insurer. Quotes come from licensed insurers and agents.

We are not an insurer

We match your request to licensed insurers and agents. You buy from them, never from us.

We show how we get paid

Providers pay us for introductions. Our guides explain the trade-offs either way.

We cite our numbers

Cost figures link to the published data behind them, so you can check our work.

Contractor insurance by trade

Every trade carries different risks and pays a different price for insurance. Pick yours to see what clients ask for and what coverage costs in your line of work.

Compare costs by trade
Handyman insurance $81/mo General liability, plus a bond in some cities
Electrician insurance $61/mo General liability, workers comp for crews, and a license bond in many states
Plumber insurance $147/mo General liability with strong limits, plus a license bond in many states
HVAC insurance $101/mo General liability, workers comp, and a license bond in many states
Landscaping insurance $63/mo General liability and commercial auto, plus a pesticide license if you spray
Painter insurance $72/mo General liability, plus lead-safe certification for older homes
General contractor insurance $162/mo General liability with higher limits, workers comp, bonds, and builder's risk on bigger jobs
Carpenter insurance $94/mo General liability, plus workers comp when you run a crew
Flooring insurance $77/mo General liability, plus tools cover for saws and materials
Drywall insurance $62/mo General liability, plus workers comp for hanging and finishing crews
Concrete insurance $119/mo General liability, workers comp, and auto for heavy trucks
Janitorial insurance $60/mo General liability and a janitorial bond for client theft claims
Pressure washing insurance $73/mo General liability, plus cover for the rig and the truck that pulls it
Fencing insurance $115/moHartford customer average General liability, plus cover for post-hole augers and skid steers

Monthly general liability figures come from published customer data: Insureon for most trades and The Hartford for fencing. They are typical figures, not quotes. Your price depends on your work, revenue, state, and limits.

Contractor insurance coverage, in plain words

Most tradespeople build their insurance from a few of these policies. Here is what each one pays for and who needs it.

General liability

Pays for injuries and property damage you cause to other people.

Every trade. Most clients and GCs ask for it before you start.

Workers comp

Pays medical bills and lost wages when an employee gets hurt on the job.

Anyone with employees. Most states require it once you hire.

Commercial auto

Covers trucks and vans you use for work, and the damage they cause.

Trades that haul tools, materials, or crew to job sites.

Tools & equipment

Replaces tools and gear that get stolen, lost, or damaged.

Anyone whose kit would hurt to replace out of pocket.

License & surety bonds

A guarantee to your customer or the state that you will follow the rules and finish the work.

Trades in states or cities that require a bond to get licensed.

Business owners policy

General liability and business property bundled together, usually for less.

Trades with a shop, office, inventory, or gear worth protecting.

How to compare contractor insurance quotes

About two minutes of questions, then real options from providers licensed in your state.

  1. Tell us about your work

    Your trade, state, crew size, vehicles, and the coverage you want. No cost and no commitment.

  2. Get matched to licensed providers

    We send your request to insurers and agents that write your trade in your state, so you skip filling out the same form on a dozen sites.

  3. Compare and choose

    Weigh price, limits, and service side by side. Buy from the provider you pick and get your certificate of insurance from them.

How TradesInsured gets paid

Comparison sites rarely say this up front, so here it is. Licensed insurers and agencies pay us when we pass along a quote request. That keeps the service free for you.

It does not change the quotes you get, and our guides still name the downsides of every insurer we cover. Read who we are and our consent and disclosures.

  1. You send one requestYour details go only to providers matched to your trade and state.
  2. Providers quote youThey contact you with real prices. You owe nothing to anyone.
  3. You choose, or walk awayIf you buy, you pay the provider directly. They pay us a referral fee.

Our guides compare insurers including:

NextHiscoxThimblebiBerkThe HartfordProgressive Commercial

Free contractor insurance guides and tools

Estimate your cost, check the rules in your state, and learn how to pay less.

All guides
Contractor insurance cost calculatorEstimate your monthly cost by tradeCheap contractor insuranceCheapest trades and 12 ways to pay lessWorkers comp requirements by stateEmployee thresholds in all 50 states and DCCertificate of insurance guideGet a COI fast and check your subs'

Contractor insurance FAQs

Is TradesInsured an insurance company?
No. We are a free comparison and quote-matching resource. We are not an insurer, agency, or broker, and we do not sell policies or give insurance advice. Quotes and policies come from licensed insurers and independent agents.
How much does it cost to use?
Nothing. Comparing quotes is free, and there is no obligation to buy. If you choose a policy, you pay the licensed provider directly.
How much does contractor insurance cost?
It depends on your trade. Insureon customer data puts general liability for construction businesses at about $89 a month, a business owners policy at about $125, and workers comp at about $175. Cleaning and drywall businesses tend to pay less, while plumbers and general contractors pay more. See contractor insurance costs by trade.
What insurance do contractors need?
Almost every contractor needs general liability insurance, since clients and GCs ask for it before you start. Add workers comp once you hire, commercial auto for work vehicles, tools and equipment cover for your kit, and a contractor bond where your license requires one.
What is tradesman insurance?
It is a catch-all name for the business insurance tradespeople carry: general liability, workers compensation, commercial auto, tools and equipment cover, license and surety bonds, and a business owners policy that bundles liability with property.
Do you cover my state?
We match requests in all 50 states and Washington, D.C. Rules and prices change by state, so our guides explain what applies where you work.
How do you make money?
Licensed insurers and agencies pay us when we send them a quote request. That is why comparing is free for you, and it does not change the quotes you receive.

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