Insurance for skilled trades (HVAC, plumbing, electrical)
Trades work inside customers' homes and businesses, with vans on the road and tools that travel from job to job.
Risks worth reviewing
- Water, fire or electrical damage tied to your work
- Employees hurt on the job
- Service vans and employees driving between jobs
- Tools and equipment in vehicles or on site
Coverage businesses like yours often review
Common questions
Does general liability cover work I already finished?
Products and completed operations coverage, often part of general liability, responds to claims after a job is done. Limits and terms vary.
Are my tools covered in my van?
Often not under a property policy. A tools and equipment floater (inland marine) is designed for property that travels.
General information only. Every business is different, and coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits.