Business Insurance by Industry: Find Coverage for Your Trade

Looking up business insurance by industry helps small business owners compare coverage based on the work they do and the risks they face. Commercial insurance for different industries can vary significantly because a roofer does not face the same challenges as a caterer or flooring contractor. Infinity Insurance Agency, Inc. (IIA) works with 20+ carriers to help you find business insurance that fits your trade and budget. Our Spanish-bilingual agents can guide you through your options and help make shopping for a policy feel less complicated.

What type of insurance does my business need?

Most small businesses share a few common coverage needs, but there is no single policy combination that works for everyone. The right mix may depend on your services, clients, employees, equipment, work vehicles and day-to-day risks. When comparing industry-specific business insurance, these are some of the most common coverage types to consider:

• Commercial general liability: Commercial general liability, or CGL, may help pay for third-party bodily injuries and property damage related to your work. Clients, general contractors and property managers often request this coverage before allowing work to begin.
• Commercial auto: Commercial auto insurance covers vehicles used for business purposes. Most states require commercial auto liability coverage, and a policy may be important if you drive to job sites, make deliveries or transport tools and equipment.
• Workers' compensation: Most states require workers' compensation insurance when a business has employees. It may help pay medical costs and replace a portion of lost wages when an employee experiences a work-related injury or illness.
• Tools and equipment coverage or inland marine: This coverage may help pay to repair or replace covered business tools and equipment while they are in transit or at a job site. It can be especially valuable for contractors and tradespeople who take expensive gear from one project to the next.
• Business owner's policy: A business owner's policy, or BOP, typically combines general liability and commercial property coverage and may be offered at a discounted rate. A BOP for a small business may be useful when the company owns equipment, stores inventory or operates from a fixed location.
• Professional liability: Also known as errors and omissions insurance, professional liability may help with claims involving negligence, mistakes or faulty work. It may be relevant for businesses that offer advice, installations or specialized services.
• Commercial property: Commercial property insurance may help pay for covered damage to an owned or leased business location, equipment and inventory caused by fire, theft or other events listed in the policy.

Not sure where to begin? Find your trade below for a closer look at common risks and coverage options. If your profession is not listed, an IIA agent can help you compare policies based on how your business operates.

Industry-specific business insurance: Find your trade

Read about your profession to learn more about common risks, policy options and considerations for your trade:

• Painters: Painting contractors may face claims involving overspray, surface damage and job-site injuries. General liability and commercial auto are common coverage needs for painting businesses.
• Plumbers: Plumbing businesses may deal with water damage, faulty installation claims and daily travel between job sites. General liability, commercial auto and professional liability may be helpful coverage options for plumbers.
• Roofers: Roofing involves risks such as falls, property damage and completed-operations claims. General liability with completed-operations coverage and workers' compensation are often important for roofing contractors.
• Landscapers: Lawn care and landscaping businesses may encounter equipment damage, pesticide liability and accidental damage to a client's property. General liability, commercial auto and tools coverage are common choices for landscaping businesses.
• Welders: Welding businesses work around fire, chemicals and structures that may create serious liability risks. General liability with completed-operations coverage and commercial auto may form the core of a welder's insurance plan.
• Caterers: Catering businesses may face food-related claims, guest injuries and equipment damage at events. General liability, product liability and commercial auto may help address these risks.
• Pest control contractors: Pest control businesses handle chemicals and work inside customers' homes and businesses. General liability, commercial auto and professional liability are common coverage options for exterminators.
• Tile and flooring contractors: Flooring professionals work with expensive materials and may face property damage or installation defect claims. General liability, commercial auto and tools coverage may help support their operations.
• Handyman services: Handymen often perform several types of work, which may expose them to property damage, injuries and faulty workmanship claims. General liability and commercial auto are common starting points for handyman businesses.
• Window cleaners: Window cleaning businesses may face fall risks, chemical exposure and accidental property damage. General liability and commercial auto are commonly considered by window cleaning operators.
• HVAC contractors: HVAC businesses may face installation claims, refrigerant handling risks and frequent business driving. General liability, commercial auto and professional liability may be useful coverage options.
• Pressure washers: Pressure washing businesses may accidentally damage surfaces or face claims related to chemical runoff and equipment. General liability and commercial auto are common coverage choices for these operators.
• Cleaning businesses: Residential and commercial cleaners may encounter property damage and injuries at client locations. General liability and workers' compensation may help address common cleaning business risks.
• Food trucks: Food truck operators combine the risks of a restaurant with those of a commercial vehicle. Commercial auto, general liability and product liability may be important parts of their coverage.
• Independent contractors: Independent contractors often need their own policies because a client's or general contractor's insurance may not cover them. General liability and commercial auto are common coverage needs across many independent trades.
• Mobile detailers: Mobile detailing businesses may face claims involving paint damage, chemical runoff and damage to a client's property. General liability and commercial auto may help cover common risks tied to this work.

Don't see your profession? That does not mean you are out of options. Call IIA at 1-855-478-3705, speak with an insurance agent or get an estimate online. A Spanish-bilingual agent can help you look for coverage that fits your business and budget.

Business insurance: Insurance policies for your business in Spanish and English

Insurance can come with unfamiliar terms and plenty of questions. IIA's Spanish-bilingual agents can explain coverage options in your preferred language without requiring a third-party interpreter. They assist business owners across the trades and industries listed on this page, from construction and cleaning to food service and mobile businesses.

IIA also accepts foreign driver's licenses, valid passports and matrículas consulares, depending on the carrier, state and policy requirements. These options may make it easier for small business owners without traditional United States identification to shop for coverage.

If you are searching online for business insurance, call 1-855-478-3705 to connect directly with a Spanish-bilingual agent. You can also continue reading in Spanish to learn more about coverage for your profession.

Why choose IIA for business insurance by industry

Finding a policy should not feel like taking on another full-time job. As an insurance agency, IIA helps you compare industry-specific business insurance options from multiple carriers and consider coverage based on your trade, business and budget. With IIA, you can:

• Compare rates and options from 20+ major carriers
• Get industry-focused guidance from experienced agents
• Speak with Spanish-bilingual agents familiar with local insurance requirements
• Explore flexible payment options, including recurring card payments
• Ask about carrier acceptance of foreign driver's licenses, valid passports and matrículas consulares
• Review automatic coverage options for eligible new hires
• Receive a certificate of insurance quickly once payment is issued, where applicable

Whether you work alone, manage a growing crew or send several vehicles to job sites each day, IIA can help you compare options without making you contact carrier after carrier on your own.

Get a business insurance quote for your industry

IIA works with small business owners across the trades listed here and many others. Business insurance by industry can help you narrow your options, but you do not have to figure out every coverage detail alone. Call 1-855-478-3705 to talk with a Spanish-bilingual agent, speak with an insurance agent or get a free estimate online. Tell us what your business does, and we can help you compare coverage and take the next step toward purchasing a policy.