Small Specialty Trade Contractors
Protect Your Business
with Coverage from
the Ground Up
As a contractor with a specialty trade, you work hard to build your business and a reputation your clients can trust. Help protect your business with specialty trade contractors’ insurance you can trust – from a company that understands your needs.
The Hartford specializes in coverage for small business artisans who are in construction-related trades. We offer one-stop protection to help meet all of your insurance needs, backed by decades of experience and specialists with in-depth knowledge of the specialty trade industry.
Target Contractors
Our market includes businesses with an annual payroll of less than $1 million and fewer than 10 employees in the following specialty trades:
- Landscapers
- Painters
- Floor installation
- Heating and air conditioning specialists
- Electricians
If your business is larger than our target, please visit our Midsize and Large Contractor Business page. Also refer to our Specialty Programs for customized solutions we offer to higher hazard businesses that require specialized underwriting, loss control and claims handling.
Specialized Coverage for Your Special Needs
Our specialty trade contractors’ insurance includes broad coverage to help meet your unique needs.
- Spectrum, The Hartford’s Business Owners Policy, provides property and business liability coverage, including key coverages that construction contractors need – for tools, equipment, materials, supplies and more. You may also purchase bundled coverages through our optional stretch endorsements designed specifically for specialty trade contractors.
- Commercial auto insurance from The Hartford extends beyond the coverage offered by most standard policies, including coverage for many types of permanently installed electronic equipment, such as GPS units that are so important to businesses like yours that are constantly on the road.
- Our workers’ compensation coverage is broad, providing many useful coverages at no additional cost.
The Hartford offers you an array of coverage options. Our solutions are designed to address the needs of both the injured employee and the employer in a quick and efficient manner. We also offer coverage for heavy trade and general contractors. Please visit our Midsize to Large Contractor page to learn more.
Services
When you purchase insurance from The Hartford, you not only get quality coverage, you also get responsive service. Policyholder services are available online and by phone. Claims handlers are on call 24/7.
Our specialized claim teams know how to navigate the risks posed by construction claims, whether for construction defects or the large losses that can be associated with serious on-the-job injuries. For workers’ compensation claims, our large network of healthcare providers and services can help control your costs and return your employees to work as soon as medically appropriate.
All coverages and services may not be available for all businesses or in all states. For details on what coverages and services are available to you, contact your agent at The Hartford today.
This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company or life and accident insurance company subsidiaries of The Hartford Financial Services Group, Inc.
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Specialty Programs
We also offer customized solutions for higher hazard businesses that require specialized underwriting, loss control and claims.
Contract Surety Bonds
The Hartford offers bid, payment and performance bonds specifically for construction contractors of all sizes.
Insurance 101
Check out our eGuides for answers to your questions about coverage, claims, costs and more.
More Information
Learn more about coverages from The Hartford:
Business Owner's Policy
Commercial Auto
Workers’ Compensation
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