Specialty & Artisan Contractors insurance · Nationwide
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.
Ready now
Start your quote
One short page. A licensed specialty trade contractor specialist compares A-rated carriers and calls you back.
Still figuring it out
See what your work requires
Use our Compass to learn exactly what your specific use case might require.
Open the Compass →Where specialty contractors get exposed
These are the scenarios our specialists see most often in your industry.
Hover a moment in the day to see the risk
Coverage specialty contractors carry
Artisan and specialty contractors get classified by what they are not, which makes the policy harder rather than easier. The work spans several trades, so the important question is whether every operation you actually perform is described on the schedule.
General Liability
Third-party injury and property damage, including completed operations for work that fails after handover.
The classification is the risk. An operation you perform but never declared can be excluded at claim time, so list everything, including the occasional job.
Workers' Compensation
Medical bills and lost wages across whatever mix of trades your crews actually work in.
Rates are set per class code, and multi-trade crews are easy to misclassify. Splitting payroll correctly is worth real money in both directions.
Commercial Auto
Trucks and trailers carrying tools and materials between sites: liability, collision, and hired or non-owned autos.
Personal auto excludes business use. Hired and non-owned matters for any crew who ever drive their own vehicle to a job or to collect materials.
Tools & Equipment
Tools and equipment stolen from the truck, taken from a site, or damaged in transit.
A multi-trade kit is worth more than most owners estimate. Rented and borrowed equipment often needs adding separately from what you own outright.
Commercial Umbrella
Extra limits above general liability and auto when a GC or commercial contract requires them.
Commercial contracts commonly specify $2M-$5M. Reaching it with an umbrella costs far less than raising every underlying limit to the same figure.
Commercial Property
Your shop, yard, and stored materials and equipment against fire, theft, and storms.
Only needed once you hold a yard or a unit. Include business income so a fire that stops the yard does not also stop the payroll being met.
FAQFrequently Asked Questions
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.
Almost certainly: GCs and property owners require proof of coverage from every subcontractor on site, regardless of how niche the specific trade is. We help you get that certificate issued quickly.
If it's performed commercially under contract, custom fabrication, artisan installation, niche building trades, it carries the same fundamental liability exposure as any construction trade, and we'll structure coverage around your actual scope of work.
If you use tools or equipment worth protecting away from a fixed shop, at job sites, in transit, or in storage, inland marine coverage applies the same way it would for any other trade.