Electricians, plumbers, painters, HVAC techs, and every trade in between: your insurance should be built around your specific risks, not a generic template.
Every trade carries unique risks. Generic policies miss the exposures that matter most to specialty contractors.
An electrician's risk profile is nothing like a painter's. Your policy classifications, exclusions, and limits need to match the work you actually perform.
Residential remodel work carries different liability than commercial tenant improvement. Many artisan contractors do both, and their policies should reflect that.
Specialty trades depend on expensive tools and equipment. If your compressor, generator, or diagnostic tools are stolen from a jobsite, standard GL doesn't cover it. Inland marine does.
Incorrect NCCI codes mean you're either overpaying on premium or underinsured. Each trade has specific class codes, and getting them wrong creates audit surprises.
Whether you're an electrician, plumber, painter, HVAC technician, or any other specialty trade, your insurance program should reflect the specific risks of your work. We build programs around your trade classification, your project types, and your contract requirements.
With over 30 years working with Florida contractors, Chris Irion knows how carriers evaluate each trade, which classifications apply to your work, and how to structure coverage that protects you without overpaying. That means proper NCCI codes, the right endorsements, and limits that match the jobs you actually take on.
The right coverage program protects your people, your tools, and your liability on every job.
Protection against third-party injury and property damage claims specific to your trade and the type of work you perform.
Learn moreRequired in Florida for construction. Accurate trade classifications ensure proper coverage and prevent premium audit surprises.
Learn moreProtect your work vehicles, vans, and trucks that transport crews and equipment to jobsites.
Learn moreCover your trade-specific tools, diagnostic equipment, and materials at jobsites and in transit.
Learn moreAdditional limits when GC contracts or commercial projects require coverage beyond your primary policies.
Learn more"We were classified under the wrong NCCI code for two years and getting crushed on premium. Chris caught it, got it corrected, and saved us thousands. He actually understands how our trade works."
Florida artisan contractors typically need general liability insurance, workers compensation (required for construction businesses with one or more employees), commercial auto coverage, and inland marine for tools and equipment. Depending on the trade and project types, umbrella liability may also be required.
Artisan contractor insurance costs vary significantly by trade. An electrician's premium will differ from a painter's because their risk profiles are different. Factors include your annual revenue, payroll, number of employees, claims history, and NCCI class codes. Getting your classifications right is the single biggest factor in controlling premium costs without sacrificing coverage.
Residential and commercial work carry different risk profiles, and your policy should reflect the type of work you perform. Commercial projects often require higher limits, additional endorsements, and per-project aggregates. If you do both residential and commercial work, your program needs to be structured to cover both exposures properly.
NCCI (National Council on Compensation Insurance) class codes categorize the type of work your employees perform for workers compensation rating purposes. Each trade has specific codes, and each code carries a different rate. If your employees are classified under the wrong code, you could be overpaying on premium or underinsured if a claim occurs.
No. General liability covers third-party injury and property damage claims, not your own property. To protect your tools, equipment, and materials from theft, damage, or loss at a jobsite or in transit, you need inland marine coverage. For specialty trades that depend on expensive tools and diagnostic equipment, this coverage is essential.
We'll review your current program, verify your trade classifications, and structure coverage designed for the specific risks of your trade in Florida.
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