Contractor Insurance Services | Trade Safe Insurance

Insurance Services Built for Contractors

When you’re on the job, the last thing you need is confusing coverage or slow paperwork. Trade Safe Insurance delivers contractor insurance that’s fast, clear, and tailored to how you actually work. We don’t do cookie-cutter plans or bloated policies. Just real coverage — for real trades.

General Liability Insurance

General Liability is the foundation of your protection. It’s designed to cover injuries or property damage that happen as a result of your work. If a client trips over your tools or you accidentally damage a customer’s property, this is the policy that protects you. It’s also what many project owners require before you can step foot on the jobsite. With Trade Safe, you’ll get fast coverage, same-day certificates, and clear terms — no corporate jargon.

Workers Compensation Insurance

If your crew gets injured on the job, workers comp kicks in to cover medical bills and lost wages. It also protects your business from lawsuits. In most states, it’s required by law — but more importantly, it shows your team you’ve got their back. At Trade Safe, we make it easy to get compliant without delay. Whether you have one worker or a full crew, we’ll get you covered fast, and explain exactly what you need.

Contractor Tools & Equipment Coverage

You rely on your gear every day — from saws and drills to compressors and trailers. If it gets stolen, damaged, or lost on-site or in transit, this coverage steps in so you’re not paying out-of-pocket. Tools coverage with Trade Safe is designed for working contractors who need fast replacements and minimal downtime. You stay focused on the job — we’ll protect the equipment that gets it done.

Builder’s Risk Insurance

Builder’s Risk protects your materials, structure, and jobsite property while a project is under construction. If a fire, theft, or storm damages the build mid-way, this policy covers the loss — not your general liability. Whether you’re framing a custom home or managing a commercial renovation, we tailor builder’s risk to match the timeline, scope, and value of your work.

Commercial Auto Insurance

If you’re using trucks, vans, trailers, or flatbeds for work, personal auto coverage won’t cut it. Commercial Auto Insurance protects you if there’s an accident while driving for business — including damage, injuries, or vehicle replacement. Trade Safe offers commercial vehicle protection that fits the way contractors move. Fast coverage, flexible terms, and support when things go sideways.

Professional Liability (E&O)

Mistakes happen. Whether it’s a missed deadline, a design flaw, or a client claiming faulty work, Professional Liability — also called Errors & Omissions — protects you when project disputes arise. It covers legal fees and claims tied to your workmanship, advice, or business decisions. We build E&O policies for contractors who want to protect not just their work, but their reputation.

Commercial Umbrella / Excess Liability

For high-exposure trades or bigger contracts, your base policy limits may not be enough. Commercial Umbrella Insurance extends your coverage when a claim exceeds what your general liability, auto, or workers comp covers. It’s an added layer of security that protects your business from major financial risk. With Trade Safe, we’ll assess whether you need it — and how much — without pushing what you don’t.

Not Sure What Coverage You Need?

That’s exactly why we’re here. Our team helps contractors across all trades figure out what’s required, what’s optional, and what’s just plain smart. No guesswork, no pressure. Just straight answers, fast support, and policies that work for you — not against you.

Need fast coverage that actually fits your trade?

Let’s get your business protected today.