General Liability
Core protection commonly reviewed for third-party bodily injury and property damage exposure.
Contractor Insurance
Coverage built for contractors, trades, and jobsite-related exposure
Evo Insurance helps contractors review coverage for liability, equipment, jobsite-related risk, and the practical realities of day-to-day operations in the field.
Trade Types
Contractor operations we insure
Contractor risks can vary widely depending on the trade, the type of projects, the tools and equipment used, and whether work is being performed at homes, commercial sites, or larger active jobsites.
General Contractors
Carpenters
Electricians
Plumbers
Roofers
Painters
Landscapers
Handymen
Drywall Installers
Tile / Flooring Installers
Masonry Contractors
Specialty Trades
Coverage Options
Common contractor coverage options
Contractor coverage often involves more than one policy type. Depending on the operation, the right structure may involve liability protection, jobsite-related coverage, workers’ compensation, or protection for tools and equipment.
Workers’ Compensation
Often important where employees or labor exposure are part of the business operation.
Builder’s Risk
May be relevant for certain construction projects where property under construction needs protection.
Contractors’ Equipment
Useful where tools, machinery, or mobile equipment are essential to completing the work.
Commercial Auto
Can be important where business vehicles are used to transport crews, tools, or materials.
Installation Exposure
May need to be reviewed where installed materials or completed work create additional risk.
Umbrella / Excess Liability
Additional liability limits may be important depending on project size, contracts, and risk profile.
Property-Related Exposure
Some operations may need to review business property or office-related coverage as part of the package.
Why This Matters
Why contractor coverage varies
A general contractor managing multiple subcontractors does not carry the same exposure as a handyman performing small residential work or a roofer operating on active jobsites. Trade type, project type, and equipment all matter.
Trade matters
Different trades create different liability, equipment, and jobsite risk profiles.
Project type matters
Residential work, commercial work, remodeling, and new construction do not all create the same exposure.
Business structure matters
Employees, subcontractors, vehicles, and equipment can all affect what coverage should be reviewed.
Helpful to Have Ready
Information that can help move the process along
Not every contractor request starts with a full submission package, but having some core business and job-related details ready can make next steps much easier.
- Business name and contact information
- Trade description and type of work performed
- Whether work is residential, commercial, or both
- Employee or subcontractor details if applicable
- Current carrier and renewal timing
Ready to get started?