Subcontractor Insurance Requirements by Trade

Electricians

What policies to require, what limits to set, and what to look for on the COI before an electrician starts work.

Plumbers

Plumbing failures can cause massive water damage. Here is what coverage to require and what to verify before a plumber starts on your project.

Roofers

Roofing is one of the highest-risk trades. Higher GL limits, wind exclusions, and completed operations coverage deserve extra scrutiny before any roofer starts work.

HVAC Contractors

HVAC work spans mechanical, electrical, and gas systems. Here is what coverage to require and what trade-specific risks to check for.

Concrete Contractors

Concrete work involves heavy equipment, structural risk, and silica exposure. Here is what insurance to require and what to verify before work begins.

Framing Contractors

Framing is a high-fall-risk trade with structural liability. Here is what insurance to require and what to verify on the COI.

Painting Contractors

Painting contractors work with chemicals, spray equipment, and sometimes lead paint. Here is what coverage to require and what to check on the COI.

Drywall Contractors

Drywall is a standard finishing trade, but silica dust from cutting and sanding creates a real coverage consideration. Here is what to require.