Commercial Insurance for Special Trade Contractors

About Special Trade Contractor Insurance

Special trade contractors (SIC 1799) encompass a broad range of specialty construction operations — from insulation and waterproofing contractors to caulking, fireproofing, and building specialty installers. Each trade carries unique liability and workers comp exposures.

Business Insurance Brokers places commercial insurance for special trade contractors of all types across our 9-state service area. This is a our carrier class — signaling strong market availability and competitive premiums. We tailor each program to your specific trade, covering general liability, completed operations, workers comp, inland marine for specialty tools and equipment, and commercial auto. We handle additional insured requests, subcontractor risk requirements, and certificate of insurance management.

Key Coverages

Unique Risks & Coverage Considerations

Special trade contractors face exposures specific to their trade — waterproofing contractors carry moisture infiltration liability, insulation contractors may carry asbestos and pollution liability, and fireproofing contractors face fire safety completed operations exposure.

As an independent broker, we shop the entire commercial market — including specialty and surplus lines carriers that write difficult-to-place risks. Our carrier markets rates many of these classes as Preferred, meaning consistent underwriting capacity and competitive pricing. We present you with the best available options for your specific operation, location, and loss history.

States We Serve

We place commercial insurance for California businesses in Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Fresno, Long Beach, Oakland, Bakersfield, Anaheim and statewide — alongside our existing markets in Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Why Choose Business Insurance Brokers?

We are 100% focused on commercial insurance — no personal auto, no homeowners policies, no distractions. That means deeper expertise, stronger carrier relationships, and better outcomes for your business. When you work with us, you get a dedicated commercial broker who understands your industry.