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Contractors/Specialty Trade

Targeted options and insurance coverage for small and specialty trade contractors.

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Overview

Broad Protection for Small Contractors  

Smaller projects don’t necessarily translate into less risk. Specialty trade contractors, just like general contractors, are just as susceptible to the inherent risks associated with their profession. And The Hartford understands more than most what it takes to keep you in business.
 
With The Hartford, you have the experience of a leader that can tailor a business insurance plan to your specialty trade needs. Over the years we’ve partnered with all types of contractors, from individual electricians to entire crews—always know we’ve got your back.

 

Insurance Designed with Your Business in Mind

Protect your small business from financial setbacks with The Hartford’s industry-enhanced general liability, property, commercial auto, and umbrella coverage. Provide employees with workers’ compensation, group benefits and retirement plans. And tailor a business insurance plan to fit your needs with contractor and specialty trade specific offerings including:
 
  • Spectrum Business Owner’s Policy which bundles general liability, property, and key industry coverages in one
  • Rental reimbursement for Contractor’s Equipment
  • Contractor Stretch endorsements for additional coverage of your tools, equipment, accounts receivable and much more

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 subsidiaries of The Hartford Financial Services Group, Inc.

Tools to Help You

Use contracts to effectively manage working relationships and protect your business interests.
Learn more >>

Landscapers: Tips for protecting your employees and business assets.
Learn more >>

 

 

 

Products and Services for Contractors/Specialty Trade

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Help
For your business
bundle Business Owner's Policy

The Hartford understands that businesses need the security and peace of mind that comes with safeguarding all your hard work.   That’s why we’ve brought together the two most critical coverages that no business should be without, in one convenient policy.   

Our Business Owner’s Policy (“BOP”) combines our comprehensive General Liability and Property coverage in one simple policy.   Now you can defend your business from financial loss and unforeseen disasters with core protection from a company you can trust.  For more about the coverages offered as part of our Business Owner’s Policy, please view the General Liability and Property Details.

100% relevancy
For your business
Workers' Compensation

Provides coverage to employers for benefits to employees for work related injuries or illnesses that cover medical expenses, lost wages, disability and benefits for families in the event of a fatality.

100% relevancy
For your business
General Liability

The essential financial protection from lawsuits and claims that no business can be without.

90% relevancy
For your business
Property Coverage

Safeguard your business and protect valuable assets with our customizable Property coverage. From equipment to buildings to computer fraud—tailor a policy that fits your needs.

90% relevancy
For your employees
bundle Group Benefits

The Hartford has a lot of benefits to offer.  Here's a list of products and services that protect lives, hopes, dreams and loved ones.

90% relevancy
For your business
Commercial Auto

Our Commercial Auto policies come equipped with a variety of enhancements whether you’re on or off the road.

80% relevancy
For your employees
Employer-Sponsored Retirement Plans

For more than 40 years, The Hartford has been a top provider of employer retirement plans.  We deliver unmatched service, unparalleled support and programs and services to help you achieve what's ahead.

80% relevancy
For your employees
Small Business Retirement Plans

Saving for the future is important to you and your employees.   Our small business retirement plans can help you find a way.   Choose from SIMPLE and SEP IRAs as well as Individual 401(k)s, tailored to fit your needs.  

80% relevancy
For your employees
Retiree Health Coverage

When your employees stop working, their benefits don't have to.

80% relevancy
For your employees
Voluntary Benefits Solutions

Help protect their income. Help protect your bottom line.

80% relevancy