Contractor insurance cost by trade

Every trade gets priced on its own risks. Compare what contractor insurance typically costs in 14 trades and what clients usually ask for, then open your trade for the full guide.

Updated October 2026

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.

What insurance each trade needs

"Required" means clients, GCs, or most states usually ask for it. "Depends" turns on your crew, vehicles, and location.

Trade	General liability	Workers comp	Commercial auto	Tools & equipment	License & surety bonds	Business owners policy
Handyman insurance	Required	Depends	Depends	Common	Depends	Common
Electrician insurance	Required	Required	Common	Common	Required	Depends
Plumber insurance	Required	Required	Common	Common	Required	Depends
HVAC insurance	Required	Required	Required	Common	Common	Depends
Landscaping insurance	Required	Required	Required	Required	Depends	Depends
Painter insurance	Required	Required	Depends	Common	Depends	Common
General contractor insurance	Required	Required	Common	Common	Required	Depends
Carpenter insurance	Required	Required	Common	Required	Depends	Depends
Flooring insurance	Required	Required	Depends	Common	Depends	Common
Drywall insurance	Required	Required	Common	Common	Depends	Depends
Concrete insurance	Required	Required	Required	Required	Common	Depends
Janitorial insurance	Required	Required	Depends	Depends	Required	Common
Pressure washing insurance	Required	Depends	Common	Required	Depends	Depends
Fencing insurance	Required	Required	Required	Required	Depends	Depends

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Contractor insurance cost by trade

What insurance each trade needs

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