Trade Contractors Insurance That Covers the Work You Actually Do

You run a tight operation — you show up, you do the job right, and you move on to the next one. The last thing you need is a coverage gap that puts your tools, your crew, or your business license at risk. We work with trade contractors across New Hampshire and Maine to build insurance programs that match the real risks of your trade, not a generic small business template.

Coverage Built Around the Trades

Whether you're a plumber, electrician, carpenter, HVAC tech, roofer, or general contractor, your insurance needs are specific to the work you do and the contracts you sign. We represent multiple carriers, so we compare options and put together coverage that fits — without steering you toward whatever a single company happens to offer.

 

Common coverage components for trade contractors include:

 

  • General liability insurance — covers bodily injury and property damage claims arising from your work on a job site
  • Commercial auto insurance — covers your work trucks, vans, and service vehicles used for business
  • Workers' compensation insurance — required in most cases when you have employees, and protects your crew if they're injured on the job
  • Tools and equipment coverage — protects the gear you depend on, whether it's in your truck or on the job site
  • Commercial package policy — bundles multiple coverages into a single policy, often at a better rate than purchasing each separately
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Why Trade Contractors in NH and Maine Work With Us

We've been covering small businesses across New Hampshire and Maine for more than 25 years. We understand that contractors often need certificates of insurance quickly, that general contractors and property owners require specific additional insured language, and that your coverage needs can shift as your business grows or the type of work you take on changes.

 

Because we're an independent agency, we're not locked into one carrier's products. We shop your coverage across multiple companies and bring you the comparison — so you can make an informed decision without spending your afternoon on hold with an 800 number.

 

  • 25+ years serving NH and Maine businesses
  • Independent agency representing multiple carriers
  • Familiar with the certificate and contract requirements contractors encounter regularly
  • Accessible, local service — not a call center

Let's Get Your Coverage Sorted

If you're a trade contractor in New Hampshire or Maine and you're not sure whether your current coverage is keeping pace with your business, we're easy to reach. We'll take a look at what you have, ask about what you do, and put together options that make sense.

Frequently Asked Questions

  • Do I need contractors insurance if I work alone?

    Even solo contractors benefit from general liability coverage. Most general contractors and commercial property owners require proof of liability insurance before they'll let you on a job site. Without it, you may lose work — and you're personally exposed if something goes wrong.

  • What's the difference between general liability and workers' compensation for contractors?

    General liability covers damage or injury your work causes to others — a client's property, a bystander on the job site. Workers' compensation covers your employees if they're injured while working. If you have employees in New Hampshire or Maine, workers' comp is typically required by law.

  • Can you get me a certificate of insurance quickly?

    Yes. Once your policy is in place, certificates can typically be issued the same day. If you have specific additional insured requirements from a general contractor or property owner, let us know upfront and we'll make sure the policy language is set up correctly from the start.

  • Do you cover specialty trades like roofing, electrical, or excavation?

    We work with a range of trades. Some specialty work — roofing and excavation in particular — carries higher liability risk, which affects carrier options and pricing. We'll be straightforward with you about what's available and what it costs.

  • I'm based in New Hampshire but I do some work in Maine. Am I covered?

    Coverage territory varies by policy and carrier. When we put your coverage together, we'll make sure your policy reflects where you actually work — including across state lines if that's part of your business.