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Business insurance by trade
What a roofer needs is not what a bookkeeper needs. These pages cover the exposures, the Washington requirements and the classification traps specific to each trade.
General Contractors
Registration, a bond, liability and workers’ comp — general contractors carry more moving parts than any trade we write, and the most contract-driven requirements.
General Contractors coverageRoofers
The hardest trade in construction to insure, and the one where carrier appetite narrows fastest.
Roofers coverageElectricians
Low claim frequency, high claim severity.
Electricians coveragePlumbers
Every job you touch carries water, and water finds its way into places that cost far more to repair than the work you were paid for.
Plumbers coverageHVAC Contractors
Gas, refrigerant, electrical and roof access in one trade — and a service calendar where the busiest weeks are also the ones with the least margin for error.
HVAC Contractors coverageLandscapers
Fast-moving equipment, other people’s property, chemicals, and a Spokane winter that turns half the industry into a snow-removal business for four months.
Landscapers coveragePainters
A low-severity trade with one expensive exception — overspray, which travels further than anyone expects and lands on things that are costly to refinish.
Painters coverageJanitorial & Cleaning
You hold keys to buildings you do not own and work in them unsupervised after hours.
Janitorial & Cleaning coverageHandyman Services
The broadest job description in the trades, and the one where the gap between what you actually do and what your policy says you do is most likely to open up.
Handyman Services coverageTowing & Recovery
Three separate coverages most operators think are one: liability for the truck, on-hook for the vehicle behind it, and garagekeepers for the one sitting in your lot.
Towing & Recovery coverageAuto Repair Shops
Your liability policy specifically excludes the thing your business is built on — other people’s cars, parked in your bays overnight.
Auto Repair Shops coverageTree Services
Chainsaws, chippers, climbing and gravity.
Tree Services coverageSnow Removal
Four months of work, twelve months of liability.
Snow Removal coverageFood Trucks
A commercial kitchen that drives itself to work.
Food Trucks coverageCaterers
You cook in one place, serve in another, and the venue in between wants a certificate before you are allowed through the door.
Caterers coveragePressure Washing
Three thousand PSI aimed at someone else’s property.
Pressure Washing coverageWindow Cleaning
Ladders, glass and other people’s buildings.
Window Cleaning coverageBakeries
Ovens, early mornings and a product people eat.
Bakeries coverageCoffee Shops
One of the more affordable food-service classes to insure, with two exposures that do not look like much until they happen: hot liquid, and the espresso machine everything depends on.
Coffee Shops coverageStart with your trade. We will take it from there.
Tell us what the business does and we will pre-select the coverage it normally needs, then compare carriers for you. About two minutes, no obligation.
Prefer to talk it through? Call (509) 944-0847.