Risks to review
- Job-site injury and property damage
- Tools and mobile equipment loss
- Contractual and completed-operations claims
Commercial industry expertise
Contractors Insurance
Contractors and artisan trades need responsive protection that follows their people, tools, materials, equipment, and vehicles from the office or shop to each active job site and through completed operations.
Protection shaped around contractors
Insurance guidance for general contractors, painters, artisan contractors, skilled trades, job sites, crews, tools, equipment, vehicles, and completed work. Cox & Associates helps organize coverage around the way your operation actually works.
Coverage to consider
- General and excess liability
- Builders risk and inland marine
- Commercial auto and workers’ compensation
Insurance guidance for general contractors, artisans, and specialty trades
Choose the exact trade closest to the work performed. Each guide highlights job-site risks, completed operations, tools, vehicles, contracts, and the information that helps prepare a stronger contractor insurance submission.
General Contractor Insurance
Coverage planning for general contractors coordinating projects, subcontractors, contracts, job sites, vehicles, equipment, and completed work.
Explore this operation →Electrical Contractor Insurance
Protection for electrical installation, service, employees, vehicles, tools, job sites, and completed operations.
Explore this operation →Plumbing & HVAC Contractor Insurance
Coverage planning for plumbing, heating, cooling, mechanical systems, water damage, vehicles, equipment, and service work.
Explore this operation →Roofing Contractor Insurance
Specialized protection for roofing work, height, hot work, weatherproofing, employees, subcontractors, vehicles, and completed operations.
Explore this operation →Concrete & Masonry Contractor Insurance
Insurance planning for concrete, masonry, excavation, pumps, cranes, employees, vehicles, equipment, and structural work.
Explore this operation →Remodeling Contractor Insurance
Protection for renovation contractors working in occupied homes and businesses, with subcontractors, tools, vehicles, and completed operations.
Explore this operation →HVAC Contractor Insurance
Insurance planning for heating, ventilation, air-conditioning, refrigeration, and mechanical service contractors.
Explore this operation →Plumbing Contractor Insurance
Coverage planning for plumbing installation, repair, service, water systems, gas piping, drain work, and mechanical equipment.
Explore this operation →Artisan Contractor Insurance
Insurance planning for skilled artisan and specialty trade contractors working at homes, businesses, and active construction sites.
Explore this operation →Painting Contractor Insurance
Coverage planning for interior and exterior painters, coatings, preparation work, ladders, lifts, spraying, employees, and completed finishes.
Explore this operation →Carpentry Contractor Insurance
Insurance guidance for rough and finish carpentry, framing, trim, cabinetry, repairs, tools, crews, and completed work.
Explore this operation →Drywall & Plaster Contractor Insurance
Protection for drywall hanging, finishing, plaster, stucco, texture, scaffolds, dust, crews, and completed surfaces.
Explore this operation →Flooring & Tile Contractor Insurance
Coverage for flooring, tile, stone, carpet, hardwood, surface preparation, adhesives, cutting, installation, and completed finishes.
Explore this operation →Landscaping & Lawn Care Contractor Insurance
Insurance planning for landscape installation, lawn maintenance, tree and shrub work, irrigation, crews, vehicles, trailers, and mobile equipment.
Explore this operation →Handyman & Property Maintenance Insurance
Coverage planning for multi-service repair and maintenance businesses working inside and outside customer properties.
Explore this operation →Pressure Washing Contractor Insurance
Insurance guidance for exterior cleaning, pressure and soft washing, chemicals, ladders, roofs, vehicles, and customer property.
Explore this operation →Fence & Deck Contractor Insurance
Protection for fence, gate, railing, deck, pergola, and outdoor-structure installation, repair, excavation, and completed work.
Explore this operation →Glass & Glazing Contractor Insurance
Coverage for glass installation, storefronts, windows, mirrors, curtain walls, lifts, handling, vehicles, and completed assemblies.
Explore this operation →Insulation Contractor Insurance
Insurance planning for batt, blown, spray foam, rigid, mechanical, and specialty insulation in new and existing buildings.
Explore this operation →Cabinet & Countertop Installer Insurance
Coverage for cabinet, millwork, countertop, stone, solid-surface, delivery, fabrication, lifting, installation, and finished interiors.
Explore this operation →Siding & Gutter Contractor Insurance
Protection for siding, soffit, fascia, gutters, exterior cladding, ladders, lifts, weatherproofing, and completed exteriors.
Explore this operation →Pool & Spa Contractor Insurance
Insurance guidance for pool and spa construction, service, excavation, plumbing, electrical systems, chemicals, barriers, and completed work.
Explore this operation →Solar Installation Contractor Insurance
Coverage planning for rooftop and ground-mounted solar, batteries, electrical work, design, lifting, vehicles, and completed energy systems.
Explore this operation →Low-Voltage & Security System Installer Insurance
Protection for alarm, access control, surveillance, structured cabling, communications, fire-alarm, and connected-system installers.
Explore this operation →Excavation & Grading Contractor Insurance
Insurance planning for excavation, trenching, grading, site preparation, earthmoving, utilities, heavy equipment, hauling, and job sites.
Explore this operation →Welding & Metal Fabrication Contractor Insurance
Coverage for mobile welding, structural and ornamental metal, fabrication, hot work, installation, vehicles, equipment, and completed products.
Explore this operation →Demolition Contractor Insurance
Specialized insurance planning for structural and interior demolition, dismantling, debris, environmental hazards, heavy equipment, and hauling.
Explore this operation →Water, Fire & Mold Restoration Contractor Insurance
Coverage planning for emergency mitigation, water extraction, drying, smoke and fire cleanup, mold remediation, contents handling, and reconstruction.
Explore this operation →Paving & Asphalt Contractor Insurance
Insurance guidance for asphalt, paving, striping, sealcoating, concrete flatwork, road crews, traffic control, equipment, and completed surfaces.
Explore this operation →Garage Door Installer Insurance
Protection for residential and commercial overhead doors, gates, operators, springs, service, vehicles, ladders, and completed systems.
Explore this operation →Sign Installation Contractor Insurance
Coverage planning for indoor and outdoor signs, electrical displays, pylons, awnings, cranes, lifts, vehicles, fabrication, and installation.
Explore this operation →Fire Sprinkler Contractor Insurance
Insurance guidance for fire-suppression design, installation, inspection, testing, service, alarms, water systems, and life-safety responsibilities.
Explore this operation →Waterproofing Contractor Insurance
Coverage for below-grade and exterior waterproofing, sealants, membranes, coatings, drainage, excavation, scaffolds, and completed systems.
Explore this operation →Appliance Installation & Repair Contractor Insurance
Insurance planning for appliance delivery, installation, repair, gas, water, electrical connections, vehicles, tools, and customer homes or businesses.
Explore this operation →Explore contractors coverage priorities
Commercial Property
Property insurance planning connects physical assets, current replacement costs, income, and a realistic recovery timeline.
View the industry guide →General Liability
General liability planning starts with how customers, vendors, tenants, and the public interact with the operation.
View the industry guide →Workers' Compensation
Workers’ compensation planning should reflect actual duties, payroll, locations, supervision, and workplace controls.
View the industry guide →Commercial Auto
Commercial auto planning matches vehicles, drivers, use, radius, and contracts to the business’s real road exposure.
View the industry guide →Commercial Umbrella & Excess Liability Insurance
Umbrella and excess planning tests whether underlying liability limits are adequate for a severe claim or contractual obligation.
View the industry guide →Commercial Flood Insurance
Flood planning evaluates building, contents, elevation, prior loss, financing requirements, and available FEMA, private, or excess options.
View the industry guide →Cyber Liability
Cyber insurance planning connects an operation's data, systems, vendors, money movement, and interruption exposure to incident-response and liability protection.
View the industry guide →Contractors coverage planning
Contractor General Liability Insurance
Liability planning for active job sites, completed work, subcontractors, contracts, and third-party property damage.
Explore this solution →Prepare for every stage of the contractors insurance review
Use these focused guides to organize a submission, review cost drivers, prepare for renewal and claims, strengthen controls, and connect contracts to coverage.
Insurance Basics
Start with the operation, people, property, vehicles, services, and income that make this industry distinct.
Open this guide →Insurance Cost Factors
Understand the business details that can influence appetite, pricing, deductibles, limits, and market selection.
Open this guide →Quote Preparation Checklist
Prepare a clear operating narrative, accurate schedules, current values, and useful loss information.
Open this guide →Renewal Checklist
Update the insurance program for changes in operations, locations, people, property, vehicles, contracts, and revenue.
Open this guide →Loss-Control Priorities
Focus attention on preventable incidents, high-severity scenarios, documentation, training, and accountability.
Open this guide →Claims Readiness
Define how the business will protect people, report a loss, preserve information, and continue critical operations.
Open this guide →Contracts and Certificates
Connect leases, customer agreements, vendor contracts, and certificate requests to the insurance program.
Open this guide →Common Coverage Gaps
Look for exposures that fall between property, liability, auto, workers compensation, cyber, and specialty policies.
Open this guide →Prepare, prevent, and recover
Insurance Submission Planning
Organize the operational, financial, property, and loss information an underwriter needs to understand the account.
Open the playbook →Loss-Control Priorities
Focus on practical controls that can reduce claim frequency, severity, and preventable disruption.
Open the playbook →Business-Continuity Planning
Map the people, property, equipment, suppliers, and revenue dependencies needed to recover after a loss.
Open the playbook →Prepare a stronger contractors submission
These focused resources connect operating details, loss information, controls, and policy decisions to the quote and renewal process.
Contractor Insurance Contract Checklist
Translate contract insurance requirements into a practical review of liability, auto, workers’ compensation, bonds, and certificates.
Read the guide →A commercial conversation first
Policy terms, limits, exclusions, eligibility, and availability vary. A focused review helps determine which protections fit the operation and which quote path makes sense.