Businesses that may fit this online path
The application evaluates the exact work performed. Examples in this broad category include:
- Handyperson and property-maintenance businesses
- Painting, flooring, and finish contractors
- Landscaping and lawn-care services
- Cleaning and pressure-washing contractors
- Eligible specialty and service trades
Coverage options to consider
Products and endorsements vary by eligibility, profession, state, and the application responses.
General Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Business Owner's Policy
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Workers' Compensation
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Commercial Property
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Tools and Equipment
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Hired and Non-Owned Auto
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Commercial Umbrella
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Information to have ready
- Exact trade and work performed
- Residential, commercial, and subcontracted work
- Revenue, payroll, employees, and territories
- Largest job and contract requirements
- Tools, equipment, vehicles, and prior losses
Frequently asked questions
Can a contractor get a Certificate of Insurance online?
Eligible contractors can purchase online and receive a Certificate of Insurance by email, helping them respond to job or contract requirements without waiting for office hours.
Are all construction operations eligible?
No. Trade, project size, height, depth, subcontracting, new construction, hazardous work, claims, and contract requirements can determine whether online coverage is available.
Online eligibility and coverage are not guaranteed. Products, terms, pricing, effective dates, and document availability are determined during the application. Actual policy documents control.