Coverage for the trade that doesn't fit a dropdown menu
Not every skilled trade fits neatly into 'electrician' or 'plumber' — custom fabrication, niche installation work, artisan crafts applied at commercial scale. We connect you with specialists who don't need your trade to fit a standard template first.
What contracts & licensing boards require, whatever your trade
We make sure your coverage meets the bar — and issue the certificates and filings you need to prove it.
- General liability — nearly every GC or property owner requires a certificate before you're allowed on siteRequired
- Workers' comp for crew members, required in almost every state regardless of trade specialtyRequired
- Additional-insured endorsements naming the GC, owner, or lender for subcontracted workRequired
Licensed Specialty Trade Contractor Specialists Nationwide
A specialist who knows your state's licensing rules and can issue the certificates and filings you need.
What specialty & artisan contractors need to be covered
Plenty of legitimate, licensed trade businesses don't map cleanly onto the handful of categories most insurance shopping tools offer. If your work is genuinely specialized — a niche installation trade, custom fabrication, or artisan work performed under contract — you still carry the same fundamental exposures as any other contractor: third-party injury, property damage, and crew safety. The right policy starts from what you actually do, not from forcing your trade into the nearest generic box.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Inland Marine
Covers tools, equipment, and goods while in transit or away from your primary location — beyond standard property limits.
Commercial Umbrella
Extends the limits of your underlying liability policies for large claims that could otherwise threaten the business.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Where specialty & artisan contractors get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksThird-party property damage on a job site
Whatever the specialty, work performed at a client's property or a job site carries the risk of accidental damage. General liability covers these third-party claims regardless of trade category.
Injured crew members
Specialty trade work often involves tools, materials, or processes as hazardous as any recognized trade. Workers' comp covers medical costs and lost wages for on-the-job injuries.
Faulty work discovered after the job
Custom or niche installation work that fails after completion is a completed-operations claim under general liability — coverage that follows your work past the invoice date, whatever the specialty.
Missing a GC's certificate-of-insurance requirement
General contractors and property owners routinely require a certificate of insurance before allowing any subcontractor — including specialty trades — on site, independent of whether your specific trade has a dedicated license category.
Why specialty & artisan contractors can't skip coverage
- General contractors and property owners require proof of general liability from every subcontractor on a job site, regardless of how narrowly specialized the trade is.
- Workers' compensation requirements apply based on having employees, not based on which specific trade category you fall into — nearly every state requires it once you have crew on payroll.
- A specialty or artisan trade without a standard licensing category can still face the same third-party liability and completed-operations exposure as any recognized trade — the coverage need doesn't disappear just because the category is unusual.
By the numbers
1 in 5
Share of all US worker deaths in construction
38K+
US specialty trade contractor establishments
90+
Specialists in our network
Specialty & Artisan Contractors insurance FAQ
Yes. We work with specialty and artisan trades that don't map to a standard licensing category — the coverage fundamentals (general liability, workers' comp, equipment coverage) apply based on what you actually do, not a rigid category list.
Get matched with a specialty trade contractor specialist
Share a few details and a licensed agent who understands specialty & artisan contractors will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state