Select Your Profession
Plumber
Plumbers face a higher risk of property damage (e.g., burst pipes and water damage), which generally results in higher general liability rates.
Electrician
Electrical work carries a higher risk of fire and severe property damage, typically requiring higher coverage limits and premiums.
Roofer
Roofing is considered a high-risk profession due to the height of the work and the potential for severe injuries or significant property damage.
HVAC Technician
HVAC work involves complex systems, heavy equipment, and potential water/gas damage, leading to moderate-to-high liability premiums.
Handyman
A handyman covers a wide variety of tasks, making their risk profile moderate depending on the exact services they offer.
Painter
Painters face moderate risks, primarily related to falls from ladders and potential chemical exposure or spills on client property.
Carpenter
Carpentry involves power tools and heavy materials, leading to an elevated risk of bodily injury and property damage.
Welder
Welding is a high-risk trade due to extreme heat, fire hazards, and potential for severe on-site accidents.
Concrete Contractor
Concrete work requires heavy machinery and manual labor, presenting moderate to high risks for worker injuries.
General Contractor
General contractors oversee entire sites, assuming the cumulative risks of subcontractors, structural integrity, and job site safety.
Masonry & Bricklaying
Working with stone and brick involves heavy lifting and dropping hazards, increasing the risk of both worker and third-party injury.
Excavation Contractor
Excavators risk hitting underground utility lines (gas, water, fiber optics), making liability coverage extremely critical and expensive.
Landscaper
Landscaping has relatively manageable risks, though precautions are needed regarding the use of heavy machinery and potential bodily injury.
Tree Service
Tree trimming and removal is highly dangerous work involving heights and heavy falling objects, commanding some of the highest premiums.
Janitor & Cleaning
Cleaning services have lower overall risks, primarily dealing with slip-and-fall accidents or minor property damage from cleaning chemicals.
Pest Control
Pest control involves handling hazardous chemicals and working in confined spaces, requiring specialized liability coverage.
Restaurant
Restaurants need coverage for customer slip-and-falls, foodborne illnesses, and liquor liability if alcohol is served.
Food Truck
Food trucks require a mix of commercial auto insurance and general liability to cover accidents on the road and food safety issues.
Catering Service
Caterers face risks related to transporting food, equipment damage, and serving food at third-party venues.
Hair Salon & Barber
Salons generally have low risk, needing coverage for slip-and-falls or minor injuries resulting from chemical treatments or cuts.
Massage Therapist
Massage therapists need professional liability (malpractice) insurance to protect against claims of injury caused during a session.
Personal Trainer
Personal trainers face liability if a client gets injured under their instruction, requiring professional liability coverage.
Auto Mechanic
Mechanics need Garage Keepers insurance to cover customers' vehicles while in their care, plus liability for faulty repairs.
Towing Service
Towing companies operate heavy vehicles and take custody of customer cars, requiring expensive commercial auto and on-hook coverage.
IT Consultant
IT consulting has low physical risk but requires Professional Liability (E&O) insurance to protect against data breaches and software failures.
Real Estate Agent
Real estate agents need coverage primarily for client slip-and-falls at open houses and professional errors and omissions.
Accountant & CPA
Accountants have near-zero physical risk but absolute necessity for Errors & Omissions (E&O) insurance to cover financial calculation mistakes.
Law Firm
Lawyers require Legal Malpractice insurance to protect against claims of negligence or failure to deliver legal services adequately.
Photographer
Photography has low general risks, but equipment coverage and liability for events (like weddings) are essential.
Retail Store
Retailers mainly need premise liability for customer slip-and-falls and property insurance for inventory.
E-commerce Business
E-commerce requires product liability insurance in case a sold product causes injury or property damage to a consumer.