Coverage Guides by Trade
Find your industry below. We'll show you exactly what coverages apply, what they cover, what they don't, and what happens when there's a gap.
Construction & Trades
General Contractors$35K avg GL claim
Electricians$28K avg liability claim
PlumbersWater damage = #1 claim
HVAC ContractorsRefrigerant pollution exposure
RoofersTop 5 riskiest trades (BLS)
PaintersLead paint + VOC liability
Landscapers & Tree ServiceSeasonal WC mod spikes
Concrete & MasonrySilicosis claims rising
Demolition ContractorsSpecialty market only
Carpentry & FramingFalls = #1 cause of death (BLS)
Flooring & TileRepetitive injury claims
Excavation & GradingTrench collapse fatalities
Solar InstallersRoof + electrical risk combined
Fire Protection ContractorsHigh completed-ops exposure
Technology & Professional
Technology Companies$4.5M avg data breach cost
Accountants & CPAsAvg malpractice claim: $50K+
Management ConsultantsE&O frequency rising
Architects & EngineersDesign defect claims = $200K+ avg
Staffing AgenciesWC for placed workers
Marketing & Advertising AgenciesIP/media liability common
Law FirmsAvg malpractice payout: $100K+
Insurance Agents & BrokersE&O is mandatory in most states
Managed Service Providers (MSPs)Ransomware blast-radius risk
App & Software DevelopersE&O + IP infringement
Real Estate & Property
Retail & Services
E-Commerce & DTCProduct liability + cyber
Convenience Stores & MarketsSlip-and-fall + robbery
Gas StationsUST pollution = $500K+ cleanup
Auto Parts RetailersProduct liability passthrough
Cannabis DispensariesFederal banking + product
Salons & SpasProfessional liability key
Gyms & Fitness StudiosParticipant waivers critical
Cleaning ServicesCustomer property + theft
Pet Services (Boarding/Grooming/Walking)Animal injury + bailee
Nonprofits & 501(c)(3)sD&O most overlooked
Auto Repair & Body ShopsGarage keepers required
Auto DealersDealer open lot + F&I
Event PlannersCancellation + venue contracts
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