Insurance companies price business insurance by what you actually do, so the right class of business matters. Below are the trades and businesses our markets write. Most can get general liability, workers’ compensation and commercial auto; many qualify for a business owner’s policy or license and permit bonds. Don’t see yours? Call us; the list isn’t complete.
Contractors and skilled trades
Plumbers · HVAC and air conditioning · Electricians · Painters · Carpentry (interior and exterior, no framing) · Cabinet and door installation · Wood flooring · Floor covering · Tile, stone and terrazzo · Drywall and wallboard · Plastering and stucco · Masonry (up to three stories) · Concrete and driveway paving · Fence installation · Door and window installation · Garage doors and gates · Glass installation (not auto) · Gutters and fascia · Siding · Screen porches and enclosures · Hurricane shutters · Awnings · Insulation · Handyman services · Appliance installation and repair · Refrigeration · Water softening equipment · Alarm and security camera installation · Smart home and low-voltage systems · Cable and TV installation · Satellite dish installation · Sign installation and painting · Decorative metal work · Welding · Septic tank installation and cleaning · Excavation · Land surveyors · Construction and project managers · Home and property inspectors · Roofing and solar contractors (by submission)
Cleaning and property services
House cleaning and janitorial · Carpet, rug and upholstery cleaning · Pressure washing and soft washing · Pool cleaning and maintenance · Window cleaning (up to three stories) · Tile and grout cleaning · Chimney cleaning · Restaurant hood duct cleaning · Construction-site debris removal · Pest control · Locksmiths · Window tinting · Blinds, curtains and closet installation · Furniture cleaning and repair
Landscaping and outdoor services
Lawn care and landscaping · Landscape installation and interior plantscaping · Lawn sprinkler installation and repair · Nurseries and garden centers
Vehicles, auto service and towing
Work trucks and vans for any trade · Business fleets · Tow trucks and wreckers · Food trucks · Owner-operator trucking · Delivery and courier vehicles · Limousine and black car service · Church and senior center vans · Auto repair shops · Auto body shops · Tire shops · Car washes · Mobile auto detailing · Auto parts stores
Restaurants and food businesses
Restaurants · Coffee shops and cafes · Bakeries · Caterers · Grocery and convenience stores · Specialty food stores · Food trucks
Retail stores
Clothing, shoe, bridal and tuxedo stores · Beauty supply and cosmetics · Appliance, electronics, computer and cell phone stores · Furniture, carpet and floor covering stores · Hardware, paint, wallpaper and home improvement · Sporting goods, golf, bicycle, bait and tackle · Book, music, video, toy, gift and stationery stores · Florists · Optical goods · Pool supply · Mailbox and packaging stores · Dollar and variety stores · Pet stores · E-commerce sellers
Personal care, fitness and pet services
Barbers · Beauty and hair salons · Nail technicians · Estheticians and day spas · Tattoo studios · Massage and wellness · Personal trainers and fitness studios · Yoga, dance and martial arts instructors · Sports coaches · Pet groomers · Pet trainers · Pet boarding · Veterinarians
Professional and office services
Accountants and bookkeepers · Business consultants · IT and technology services · Marketing and advertising · Graphic designers and photographers · Real estate agents and property managers · Insurance agents and claims adjusters · Architects and engineers · Legal services and notaries · Tutors and education services · Administrative support and call centers · Travel agencies · Office machine repair · Printing and mailing (professional liability, also called errors and omissions, is available for many)
Health care
Dentists · Doctors and nurse practitioners · Nurses and medical assistants · Medical technicians and labs · Home health aides · Mental health counselors and therapists
Marine services
Boat repair and marine service: mobile boat detailers · Marine electronics installation · Mobile marine mechanics · Boat carpentry · Canvas and upholstery
Texas businesses
In Texas we quote general liability, workers’ compensation, business owner’s policies, commercial auto and surety bonds for many of the trades above. See Texas lawn care and Texas restaurant insurance.
Call (813) 447-7534, every day 7:30 AM to 7:30 PM, except federal holidays, or request a quote online and tell us what your business does.
Availability depends on the business, location and the work performed. Coverage is subject to eligibility, underwriting and policy terms. Insurance companies decide eligibility and price.