Specialized Insurance for Niche Trades
Expert coverage solutions for specialized contractors. From roofing and insulation to crane operations and barndominiums, we understand your unique risks and insurance needs.
Why Work With a Niche Trade Specialist?
Generic insurance agents don't understand your specialized trade. We do. Here's what makes us different:
Industry Expertise
We work exclusively with contractors and understand the nuances of specialized trades. Our agents know the difference between spray foam insulation risks and fiberglass installation exposures.
Custom Coverage
Off-the-shelf policies leave coverage gaps. We build custom insurance programs with specialized endorsements tailored to your specific operations and equipment.
Better Pricing
Our relationships with specialty underwriters who understand your trade result in more competitive pricing than general market carriers who view your work as "high risk."
Proper Risk Assessment
We ask the right questions about your operations to ensure accurate underwriting. No surprises at audit time, and no coverage denials because your agent didn't understand your work.
Claims Advocacy
When claims happen, we advocate for you with technical knowledge of your trade. We speak the language of your industry and can explain complex operations to adjusters.
50-State Licensing
Work across state lines? We're licensed in all 50 states and understand state-specific requirements for specialized contractors. One agent, nationwide coverage.
Specialized Trades We Cover
We provide expert insurance solutions for contractors in specialized trades that general agencies struggle to understand and place.
Roofing Contractors
Specialized coverage for residential and commercial roofing operations including tear-offs, steep slope work, and roof system installations. We understand fall protection requirements, material liability, and completed operations exposures unique to roofing.
Key Risk Factors:
- •Fall hazards from elevated work
- •Weather-related project delays and damage
- •Material defect liability and roof leaks
- + 2 more risks covered
Insulation Contractors
Coverage tailored for spray foam, fiberglass, cellulose, and specialty insulation installers. We address the unique risks of chemical applications, confined space work, and energy efficiency performance guarantees.
Key Risk Factors:
- •Chemical exposure and application errors
- •Respiratory hazards and PPE requirements
- •Property damage from spray foam expansion
- + 2 more risks covered
Pressure Washing & Exterior Cleaning
Insurance solutions for power washing, soft washing, and exterior cleaning businesses. Coverage includes chemical liability, property damage from high-pressure operations, and environmental cleanup exposures.
Key Risk Factors:
- •Property damage from pressure washing
- •Chemical runoff and environmental liability
- •Slip and fall hazards from wet surfaces
- + 2 more risks covered
Drywall & Finishing Contractors
Specialized coverage for drywall installation, taping, finishing, and texturing contractors. We understand dust control requirements, material storage, and completed operations risks specific to interior finishing work.
Key Risk Factors:
- •Dust damage to HVAC systems and furnishings
- •Joint compound application defects
- •Material storage and moisture damage
- + 2 more risks covered
Barndominium Builders
Unique coverage for contractors specializing in barndominium construction, combining residential building with agricultural structures. We bridge the gap between traditional home building and pole barn construction insurance needs.
Key Risk Factors:
- •Hybrid residential/agricultural exposures
- •Large open-span construction techniques
- •Metal building system liability
- + 2 more risks covered
Crane & Rigging Operators
Comprehensive coverage for mobile crane operators, tower crane services, and rigging contractors. Specialized policies address equipment values, third-party property damage, and catastrophic liability exposures.
Key Risk Factors:
- •Catastrophic third-party property damage
- •Load shift and rigging failure incidents
- •Power line contact and electrocution
- + 2 more risks covered
Heavy Equipment Contractors
Coverage for excavation, grading, demolition, and earth-moving contractors. Policies address equipment values, underground utility damage, and environmental risks associated with heavy civil work.
Key Risk Factors:
- •Underground utility strikes and damages
- •Equipment theft and vandalism
- •Environmental contamination exposures
- + 2 more risks covered
Scaffolding Contractors
Specialized insurance for scaffold erection, rental, and inspection services. Coverage includes professional liability for engineering, equipment liability, and fall protection system failures.
Key Risk Factors:
- •Fall protection system failures
- •Improper erection and collapse incidents
- •Equipment rental liability
- + 2 more risks covered
Concrete Cutting & Coring
Coverage for concrete sawing, wall sawing, core drilling, and concrete removal specialists. Policies address dust control, structural damage risks, and specialized equipment values.
Key Risk Factors:
- •Structural damage from cutting operations
- •Dust control and silica exposure
- •Underground utility location errors
- + 2 more risks covered
Waterproofing Specialists
Insurance solutions for foundation waterproofing, below-grade moisture protection, and commercial waterproofing membrane systems. Coverage includes warranty work, material failure, and water intrusion liability.
Key Risk Factors:
- •Water intrusion and mold claims
- •Material and system failure liability
- •Below-grade excavation exposures
- + 2 more risks covered
Epoxy Flooring Contractors
Specialized coverage for decorative concrete, epoxy coating, and industrial flooring contractors. Policies address chemical application, surface preparation failures, and commercial warranty exposures.
Key Risk Factors:
- •Surface preparation and adhesion failures
- •Chemical spills and fume exposures
- •Slip resistance warranty claims
- + 2 more risks covered
Fire & Smoke Restoration
Coverage for fire damage restoration, smoke remediation, and emergency board-up services. Insurance addresses 24/7 emergency operations, contents handling, and secondary damage prevention.
Key Risk Factors:
- •Secondary damage during restoration
- •Contents inventory and bailment exposures
- •Hazardous material and asbestos discovery
- + 2 more risks covered
Mold Remediation Specialists
Insurance for mold testing, remediation, and prevention contractors. Specialized policies include pollution liability, professional testing errors, and cross-contamination exposures.
Key Risk Factors:
- •Cross-contamination to unaffected areas
- •Professional testing and assessment E&O
- •Pollution liability and spore dispersal
- + 2 more risks covered
Asbestos Abatement
Comprehensive coverage for asbestos removal, encapsulation, and hazardous material abatement contractors. Policies include pollution liability, regulatory compliance coverage, and long-tail health claim protection.
Key Risk Factors:
- •Long-tail health and injury claims
- •Regulatory compliance and permit violations
- •Environmental contamination liability
- + 2 more risks covered
Solar Panel Installation
Specialized insurance for solar photovoltaic installers, including roof penetration liability, electrical work exposures, and system performance guarantees. Coverage for both residential and commercial solar contractors.
Key Risk Factors:
- •Roof penetration and leak liability
- •Electrical installation errors and fires
- •System performance guarantee claims
- + 2 more risks covered
Pool & Spa Builders
Coverage for swimming pool construction, spa installation, and aquatic facility builders. Insurance addresses excavation risks, water feature liability, and long-term structural warranty exposures.
Key Risk Factors:
- •Excavation and soil stability issues
- •Plumbing and filtration system failures
- •Structural crack and leak liability
- + 2 more risks covered
Geothermal HVAC Installation
Specialized coverage for geothermal heating and cooling system installers. Policies address drilling operations, underground loop failures, and energy efficiency performance claims.
Key Risk Factors:
- •Underground loop installation failures
- •Drilling and boring operation damages
- •System performance guarantee disputes
- + 2 more risks covered
Stucco & EIFS Contractors
Insurance for exterior insulation finishing systems and traditional stucco contractors. Coverage includes moisture intrusion liability, system failure claims, and long-tail warranty exposures.
Key Risk Factors:
- •Moisture intrusion and mold behind systems
- •Improper flashing and drainage details
- •Material incompatibility failures
- + 2 more risks covered
Trenchless Technology Contractors
Coverage for horizontal directional drilling, pipe bursting, and trenchless utility installation. Specialized policies address underground operations, utility damage, and surface restoration requirements.
Key Risk Factors:
- •Inadvertent returns and drilling fluid spills
- •Existing utility location and damage
- •Bore path deviation and property damage
- + 2 more risks covered
Lightning Protection Systems
Specialized insurance for lightning rod and protection system installers. Coverage includes professional design liability, installation errors, and system performance guarantee exposures.
Key Risk Factors:
- •System design and engineering errors
- •Improper grounding and bonding
- •Lightning strike damage claims
- + 2 more risks covered
Structural Moving & Lifting
Coverage for building relocation, house lifting, and structural moving contractors. Policies address catastrophic property damage, transportation exposures, and specialized equipment values.
Key Risk Factors:
- •Structural collapse during lifting
- •Transportation and highway exposures
- •Third-party property damage in transit
- + 2 more risks covered
Seismic Retrofitting
Specialized coverage for earthquake retrofitting and seismic upgrade contractors. Insurance addresses structural modification liability, engineering coordination, and performance guarantee exposures.
Key Risk Factors:
- •Structural modification errors
- •Engineering coordination failures
- •Seismic performance guarantee claims
- + 2 more risks covered
Acoustic & Soundproofing
Insurance for acoustic treatment, sound isolation, and noise control contractors. Coverage includes performance specification guarantees, material installation errors, and noise reduction claims.
Key Risk Factors:
- •Acoustic performance guarantee disputes
- •Material installation and effectiveness failures
- •Sound transmission class (STC) claims
- + 2 more risks covered
Fireproofing & Firestopping
Specialized coverage for fireproofing spray application and firestopping contractors. Policies address code compliance, fire rating performance, and life safety system liability.
Key Risk Factors:
- •Fire rating and performance failures
- •Code compliance and inspection failures
- •Material application thickness deficiencies
- + 2 more risks covered
Specialty Coatings
Coverage for industrial coatings, protective linings, and specialty surface treatment contractors. Insurance addresses chemical application, surface preparation, and coating performance warranty exposures.
Key Risk Factors:
- •Surface preparation and adhesion failures
- •Chemical application and fume exposures
- •Coating performance and durability claims
- + 2 more risks covered
Comprehensive Coverage for Specialized Trades
Core Coverage Components
- General Liability - Including operations, completed operations, and products liability tailored to your trade
- Commercial Auto - Coverage for specialized vehicles and equipment transportation
- Workers' Compensation - Protecting your crew with proper class code classifications
- Inland Marine - Coverage for specialized tools, equipment, and materials in transit
- Professional Liability - For design-build, consulting, or technical specification work
Specialized Endorsements
- Pollution Liability - For trades involving chemicals, coatings, or environmental exposures
- Equipment Breakdown - Coverage for specialized machinery and technical equipment
- Warranty/Guarantee Coverage - Protection for performance guarantees and warranty work
- Riggers Liability - For crane operators, scaffolding, and heavy lifting operations
- Underground Resources - Protection for excavation and underground utility work
Frequently Asked Questions
Why should I choose an agency that specializes in niche trades?
Specialized agencies understand the unique risks, regulatory requirements, and coverage needs specific to your trade. We work with underwriters who are familiar with your industry, resulting in better coverage options, more accurate pricing, and fewer coverage gaps compared to general insurance agents who may not understand your specific exposures.
How does insurance for niche trades differ from standard contractor insurance?
Niche trade insurance often requires specialized endorsements, higher liability limits for specific operations, unique equipment coverage, and industry-specific risk management. For example, crane operators need coverage for rigging operations and load shifts, while barndominium builders need coverage that bridges residential and agricultural construction exposures.
Can you provide coverage for trades that other agencies have declined?
Yes! We work with specialty markets and surplus lines carriers that specifically underwrite hard-to-place trades. Our experience includes roofing, demolition, high-rise work, crane operations, and other trades that standard carriers often decline or price prohibitively.
Do you offer coverage in all 50 states for niche trades?
Yes, Contractor's Choice Agency is licensed in all 50 states. We can provide coverage for niche trades nationwide and understand state-specific requirements for specialized contractors.
What makes your quotes more accurate for specialized trades?
Our agents are trained in specialty construction trades and understand the nuances of your operations. We ask the right questions about your specific work, equipment, and exposures to ensure accurate pricing and proper coverage. This prevents surprises at audit time and ensures you have the protection you actually need.
How quickly can I get coverage for my niche trade business?
Most niche trade quotes can be provided within 24-48 hours, with some standard trades quoted same-day. Complex operations or higher-risk trades may require additional underwriting time, but we work efficiently to get you covered quickly without sacrificing coverage quality.
Get Specialized Coverage for Your Trade
Don't settle for generic insurance. Work with specialists who understand your unique risks and coverage needs.