CONTRACTORS & OTHER TRADES INSURANCE · PENNSYLVANIA + NEW JERSEY
Contractor insurance built around how your business actually works.
From roofing and remodeling to plumbing, HVAC, landscaping, carpentry, and other trades, your coverage should reflect the work you perform, your employees and subcontractors, vehicles, tools, and contract requirements.
WHAT CONTRACTORS & OTHER TRADES NEED COVERED
Start with the risks contractors can’t afford to overlook.
GENERAL LIABILITY
Protect the work you perform.
Coverage for third-party bodily injury, property damage, completed operations, and other liability claims that can arise from the work your business performs.
COMMERCIAL AUTO
Protect what gets you to the job.
Coverage for contractor vans, pickups, box trucks, trailers, and other business-use vehicles carrying your people, tools, equipment, and materials.
WORKERS’ COMPENSATION
Protect the people doing the work.
Coverage for employee injuries and work-related claims, structured around payroll, job duties, crew size, and how your operation actually works.
WHERE CONTRACTOR RISKS GET COMPLICATED
The risk isn’t just the job. It’s how the operation is structured.
Two contractors performing similar work can present very different risks. Employees, subcontractors, payroll, vehicles, tools, job size, completed work, and contract requirements can all affect coverage and carrier appetite. The details of the operation matter.
Request a Contractor Insurance Review →Subcontracted work changes the exposure.
Who performs the work, how subcontractors are insured, and what your contracts require can materially affect underwriting and coverage. Certificates alone don’t tell the whole story.
The job can follow you after you leave.
Property damage or injury can surface after the work is complete. Completed-operations coverage, exclusions, and policy limitations can matter long after the crew leaves the jobsite.
Contracts can change what the policy needs to do.
Additional insured requirements, waivers, certificates, indemnification language, and customer contracts can create obligations that a basic policy may not automatically satisfy.
TRADES WE WORK WITH
Different trades create different risks — and different insurance needs.
The work performed matters. Roofing, remodeling, plumbing, HVAC, carpentry, landscaping, and other trades can each create different liability, vehicle, equipment, subcontractor, and contract exposures.
01
Roofing Contractors
Height exposure, subcontracted work, completed operations, property damage, and contract requirements can make roofing one of the more specialized contractor risks.
Explore Roofing Contractor Insurance →02
Remodelers & General Contractors
Projects can involve multiple trades, occupied properties, subcontractors, changing job values, and contractual responsibilities that need to be understood together.
Explore General Contractor Insurance →03
Plumbing Contractors
Water damage, completed work, service calls, tools, vehicles, and work inside customers’ homes or businesses can all affect the insurance program.
Explore Plumbing Contractor Insurance →04
HVAC Contractors
Installation, service work, equipment, refrigerants, vehicles, employees, and completed operations create exposures that go well beyond basic general liability.
Explore HVAC Contractor Insurance →05
Carpenters & Specialty Trades
Jobsite work, tools, property damage, subcontracting, and the type and size of projects can materially change underwriting and coverage needs.
Explore Carpenters & Specialty Trades Insurance →06
Landscapers & Outdoor Contractors
Vehicles, trailers, equipment, employees, property damage, seasonal operations, and work performed at customer locations all need to be considered.
Explore Landscaping Contractor Insurance →07
Electricians
Service calls, rewires, panel upgrades, commercial projects, tools, vehicles, subcontractors, and completed operations can all affect coverage and available markets.
Explore Electrician Insurance →WHY JOE
You don’t need another contractor quote. You need someone who understands how the operation actually works.
Contractors can look similar on paper while operating very differently in the real world. The job is understanding those differences, finding the right markets, and making sure the coverage actually matches the business.
INDEPENDENT ADVICE · PENNSYLVANIA + NEW JERSEY
More than one market. More than one way to solve the risk.
Different carriers can view contractors and trades very differently. I compare available markets, coverage structures, subcontractor requirements, vehicle appetite, and underwriting fit instead of trying to force every business into one company’s box.
RECOGNIZED PERFORMANCE
Performance recognized. Recommendation still independent.
Nationwide recognized Joe as a Q1 2026 top performer across Southeastern Pennsylvania. But no single carrier drives the recommendation. The focus stays on finding the coverage and market that best fit how your contracting business actually operates.
READY FOR A BETTER CONTRACTOR INSURANCE CONVERSATION?
Let’s make sure your contracting business is actually protected.
Tell me what kind of work you do, how your operation is structured, who performs the work, what vehicles and equipment you use, and what coverage you have now. I’ll help you identify gaps, compare markets, and figure out the right next move.
Joe Moore Insurance
Independent Insurance Advisor | Pennsylvania & New Jersey
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