We know Trade Contractor Insurance

Specialty trade contractors have specific insurance needs. We have tailored solutions.

Our Financial Snapshot

A-

(Excellent)
A.M. Best Rating†

$19.3M

Adjusted Operating Income2

62.5%

Loss Ratio1

Insurance Overview for Trade Contractors

As a specialty trade contractor, you have specific liability insurance needs no matter what trade you’re in—drywall, HVAC, carpentry, or electrical. ProSight offers expansive insurance coverage, a focus on safety, and streamlined claims management—all to help reduce your business risk.

Who We Insure

Medium-sized trade contractors who subcontract 70% or more of their labor and material costs to adequately-insured subcontractors, specifically:

Drywall Contractors
Carpenters
Painters
Electricians
HVAC Installers

PLUS: contractors who provide janitorial services, masonry, communication equipment installation, metal works, metal erection, plastering/stucco work, interior tile, stone and marble work, and siding installation.

Available Coverages

  • General Liability, up to 2/4/4
  • Excess Coverage, available up to $5M in limits
  • ProSight General Liability Deluxe Enhancement Endorsement
  • ProSight Proprietary Composite Rating Structure—we rate off of gross sales
  • Availability of New York Free Trade Zone Placements

Value-Add Solutions

Background Checks
Cyber Suite Coverage
OOPS® Coverage
SafetyNow® Workplace Training Portal
Subcontractor Policy Management
TechAdvantage™ Equipment Breakdown
Drone Coverage
Limited Fungi
EIFS Premise/Operations Coverage
Named Insured vs. Named Insured Cross Suits
Retirement Extended Completed Operations
Are you ready to get started? Connect for a quote

Resources

Subcontractor Policy Management Read Blog
Construction Leading Loss Drivers View Video
Program at a Glance Download PDF
OSHA Visit Site

Why ProSight

Expertise

We deliver underwriting, claims, distribution, and customer service experiences that help drive positive performance.

Focused Distribution

We collaborate with a select group of expert distribution partners to deliver unique value to our customers.

Differentiation

We design solutions to help solve our customers’ business problems and enhance their business operations.

Our Experts

Marissa Prestimonico AVP, Underwriting Read Bio
Matthew Mannarino Underwriter Read Bio

Our Partners

With over 60 years in the construction business, Quaker Special Risk has a deep understanding of the unique challenges specialty trade contractors face to stay competitive, safe, and profitable.
We’ve teamed up with Program Brokerage Corporation for our Specialty Trade Contractors program. With their knowledge and deep understanding of the industry and trends, they help us deliver a unique solution for skilled artisans.
As a leading property and casualty insurance broker, NFP shares in ProSight’s vision of tailored solutions specifically designed for specialty trade contractors. Their team of experts puts an emphasis on reducing liability risks and promoting safety.

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†Assigned to insurance companies with an excellent ability to meet their ongoing insurance obligations.
¹Excludes 2.5 points of catastrophic losses and other related items.
²Financial results are as of 6/30/21.