Commercial · Trades · Waterbury, CT

Insurance built for the
boots-on-site
contractor.

General liability is what lets you bid the job. We write coverage for solo trades, GCs running 12-person crews, and everyone in between, with same-day COIs and carriers that want Connecticut trade business.

Same day

COI turnaround

Carriers shopped for trades

CT · MA

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Three claims we've seen this year.

Here's what coverage looks like when a job goes sideways.

The subcontractor's apprentice falls off a ladder.

Your GL responds to the third-party medical claim, your subcontractor's own WC handles his employee's wages, but only if you've enforced a hold-harmless and a current certificate. We help you set that up so this doesn't quietly become your claim.

The homeowner sues over "water intrusion" three months after walkthrough.

Completed-operations coverage on your GL is what stands up. We make sure it's actually included. A lot of cheap online policies quietly leave it out, and you don't find out until you read the denial letter.

A truckload of copper walks off the job overnight.

Your truck policy doesn't cover it. Your GL doesn't cover it. A tools & equipment floater is a small rider that pays for the loss, and we add it to almost every contractor policy we write because the alternative is eating the replacement cost yourself.

The seven things every
contractor policy should cover.

Not every contractor needs every line. We start with what the work actually exposes you to, then build the policy around that, not the other way around.

General Liability (GL)

Bodily injury and property damage to third parties. Required to bid most commercial work. For town or municipal projects the entity will usually require a certain limit of liability plus a permit or performance bond before you can start. Standard limits are $1M / $2M aggregate.

Completed Operations

Covers claims that surface after the job is done, water intrusion, structural defect, the kind of thing that takes a year to show up. Often shorted on bargain policies. We confirm it's on yours.

Commercial Auto

Separate from your personal truck policy. If the truck is on a job site or hauling materials, personal coverage probably isn't responding to a claim.

Tools & Equipment / Installation Floater

Covers gear in transit, on site, and stored, including theft. A small rider that pays for itself the first time a saw walks off.

Workers' Compensation

Required in Connecticut once you have employees. We write through carriers with strong appetite for trade-class risks. Not all WC carriers do.

Umbrella

Sits on top of GL and auto for catastrophic claims. We push for this on every contractor policy. One bad fall can blow through a $1M GL limit, and the umbrella is the cheapest million dollars of coverage you'll ever buy.

Professional Liability (E&O)

For design-build, consulting, or anyone giving plans or specs. Optional for pure trades, important for anyone whose advice is part of the deliverable.

What contractors
ask us first.

Pulled from real intake calls. If yours isn't here, the phone is faster than a contact form.

Yes, and most Connecticut municipalities now ask for proof before they'll issue a permit. For a solo trade it is usually one of the cheaper policies you will carry.

Our standard procedure is to issue a certificate immediately on request. We don't farm COIs out to a national service center. They come from this office. Send us the certificate-holder language from the GC and we handle the rest.

When the GC adds themselves as an additional insured on your policy, your insurance defends them too if something goes wrong on the job. It's standard practice, free or cheap to add via endorsement, and we handle the paperwork.

In Connecticut, sole proprietors are generally exempt: the exemption covers you, not anyone you hire. The minute someone else works on the job, they need to be covered. We had a contractor client who hired a relative part-time. The job required an electric saw to cut floorboards, and the relative severed his thumb using it. The client had no workers' compensation, and ended up paying out of pocket for the injuries and the damages. Call us before that day, not after.

Two things. Contractors tend to skip the audits on their workers' comp and liability policies, which leads to complications at renewal. And they neglect to insure their tools, equipment, and machinery, often the most expensive thing in the truck.

Usually one of three things: the limits are lower than what your contracts actually require, completed-operations is excluded, or it's written by a carrier that won't be there when a claim hits. We compare apples to apples, and sometimes the cheap policy is fine, in which case we'll tell you that and you stay where you are.

Often yes. A Business Owner's Policy (BOP) bundles GL and property, and we add commercial auto and a tools floater alongside. One renewal date, one phone call, fewer gaps between policies.

Insurance built for the boots-on-site contractor.