nationwide providers
Contractor Insurance
Built for Your Trade
Protect your contracting business with customized insurance solutions from experienced commercial insurance specialists. We provide General Liability, Workers’ Compensation, Commercial Auto, Pollution Liability, Inland Marine, EPLI, and more through multiple A-rated insurance carriers. Whether you’re an electrician, plumber, HVAC contractor, landscaper, handyman, or general contractor, we’ll help you find the right protection at a competitive price. Receive Multiple Quotes in Minutes!
Coverages
Complete protection for your contracting business
Every policy tailored to your trade, size, and risk profile.
General Liability
Third-party bodily injury, property damage, and completed operations.
Workers’ Compensation
Cover medical costs and lost wages for injured employees on the job.
Pollution Liability
Protect your business from pollution-related claims and environmental liability arising from your operations.
Industries we insure
Programs for many trade
Electrical
Licensed electrical contractors specializing in residential, commercial, industrial, and service work.
Plumbing
Coverage for plumbing contractors working on residential, commercial, and new-construction projects.
Landscaping & Lawn Care
Insurance for landscaping professionals, lawn care companies, hardscapers, and irrigation installer contractors.
HVAC
Coverage for heating, air conditioning, refrigeration, ventilation, installation, repair, and maintenance contractors.
General Contractors
Insurance solutions for general contractors managing new construction, renovations, and subcontractors.
Masonry
Protection for masonry contractors specializing in brick, block, stone, concrete, and foundations.
Why Provident Financial Group
A team that knows contractors
Contractor Insurance Specialists
We specialize in protecting contractors, subcontractors, and construction businesses with insurance solutions tailored to your trade, operations, and project requirements.
Multiple A-Rated Carriers
Compare coverage options from leading insurance companies. We shop the market for you to help find the right protection and competitive pricing.
Fast Certificates & Expert Support
Need a Certificate of Insurance quickly? Our experienced team provides responsive service, certificate requests, policy reviews, and ongoing support to keep your projects moving.
What our clients say
Provident reviewed our policies, compared multiple insurance companies, and helped us save approximately 25% on our annual insurance costs while maintaining the coverage our business needed. The process was quick, professional, and completely hassle-free. Their knowledge of the HVAC industry made all the difference, and they’ve continued to provide outstanding service whenever we need certificates or policy changes.”
Marc R.
HVAC Business Owner – Bluffton, SC
“After reviewing our policies, the team found several coverage improvements and more competitive pricing through another carrier. They saved us money, explained every option clearly, and made switching insurance simple. I recommend them to any electrical contractor looking for better coverage.”
Fabio V.
Electrical Contractor – Union, NJ
“We were paying too much for our contractor insurance. Provident compared several top-rated carriers and found us a policy that fit our business at a more competitive premium. They also handle our certificate requests quickly, which keeps our projects moving.”
Carlos M.
Plumbing Contractor · Los Altos, CA
Frequently asked questions
What insurance does a contractor need?
Most contractors need General Liability Insurance. Depending on your trade and state requirements, you may also need Workers’ Compensation, Commercial Auto, Inland Marine (Tools & Equipment), Builder’s Risk, Contractor Bonds, or Professional Liability Insurance.
How much does contractor insurance cost?
Yes — we work with startups, newly-licensed contractors, and established firms alike.
Can I get a Certificate of Insurance (COI) quickly?
Yes. We can often issue Certificates of Insurance quickly during normal business hours, helping you meet jobsite requirements, add additional insureds, and keep your projects moving.
Can you insure new contractors or startup businesses?
Absolutely. Whether you’re starting a new contracting business or have been operating for years, we can help you find insurance solutions that fit your business and budget.
Do you offer insurance for my trade?
Yes. We insure general contractors, electricians, plumbers, HVAC contractors, landscapers, painters, remodelers, flooring contractors, masonry contractors, carpenters, janitorial, and many other construction professionals.
Why should I compare quotes from multiple insurance companies?
Every insurance carrier evaluates contractor risks differently. Comparing quotes from multiple A-rated carriers helps ensure you receive the right coverage at a competitive price.
Ready to protect your business?
Get multiple quotes in minutes. Talk to a licensed contractor insurance specialist today.