Contractors and Skilled Trades
Tools, vehicles, crews, and contracts—organized.
Contractors and skilled trades move between job sites, carry tools and equipment, depend on crews, and work under contracts that often specify insurance requirements. Operations can shift weekly as projects start, pause, and complete.
Common Insurance Conversations
- Job-site liability and third-party property damage
- Tools, equipment, and mobile property
- Commercial vehicles used between job sites
- Employee injury exposure and subcontractor requirements
- Contractual risk and additional insured requests
Property Considerations
Tools, trailers, stored materials, and equipment at job sites or in a shop may all warrant review. Inland marine and tools coverage conversations often apply.
Liability Considerations
General liability helps address covered third-party bodily injury and property damage tied to operations. Completed operations and contractual liability are common discussion points.
Vehicle Considerations
Trucks, vans, and service vehicles used for business may call for commercial auto coverage. Hired and non-owned auto may apply when employees use personal vehicles for business.
Employee Considerations
Employees on job sites create workplace injury exposure. Workers' compensation conversations often apply, subject to state requirements and availability.
Professional or Data Considerations
Some trades provide plans, designs, or advice that may raise professional liability considerations. Specialty coverage may be referred to a third-party provider.
Suggested Information to Prepare
- • Trade or license classification
- • Annual payroll and number of employees
- • Subcontractor use and certificates on file
- • Vehicle list and use
- • Tools and equipment values
- • Sample contracts or certificate requests
Contractors and Skilled Trades — Frequently Asked Questions
Insurance conversations for contractors.
Tell us how your business operates and start a conversation with a Dallas-Fort Worth commercial insurance professional.
Eligibility varies by operation, location, and underwriting company. This page is educational and does not imply that every business within this industry is eligible or that one policy covers every exposure.
Availability, eligibility, underwriting company, terms, and coverage options vary. Speak with the agency to determine which products may be available for your business.
Some commercial insurance products may be offered by, administered by, or referred to third-party companies that are not affiliated with Texas Business Insurance. Each insurer is solely responsible for the products it issues and its financial obligations.
Protect the Business You've Worked to Build.
Tell us how your company operates and start a conversation with a Dallas-Fort Worth commercial insurance professional.
Our Dallas-Fort Worth team responds within one business day.