What kind of contractors does THREE insure?

THREE insures trade contractors including electricians, plumbers and HVAC contractors, carpenters, painters, remodelers, roofers, handypersons and landscapers. Eligibility depends on your specific operations and location.

What insurance do contractors need?

Contractors typically need Liability coverage for injuries and damage on the job and after it, coverage for tools and equipment, Commercial Auto and Additional Insured coverage for contracts. THREE's policy includes these coverages and more for contractors.

Does THREE include Blanket Additional Insured for contractors?

Yes, THREE's policy includes Blanket Additional Insured, along with Waiver of Subrogation and Primary and Non-Contributory, where a written contract requires it. That means you don't need a separate endorsement for each general contractor or project owner.

Does THREE cover my contractor tools and equipment at job sites?

Yes, tools and equipment are covered while in transit or at a job site, up to the All Other Property limit on your Summary page.

Overhead view of two workers in hard hats digging an open utility hole in a tiled sidewalk

INDUSTRIES

Commercial insurance for contractors & landscaping

Contractors & landscapers can protect their entire operation with one clear policy from THREE.

Get a Quote Become an Agent

The whole business. Covered together.

75+

Years of insurance experience as part of the Berkshire Hathaway Insurance Group

4.7/5

rating from very satisfied THREE customers

Page policy with no fine print or surprises

What types of coverage do
contractors need?

Use our self-assessment tool to see whether your business is protected against the unexpected.

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Businesses we serve

Whole-business protection, from the studs up

From the workshop to the job site, we cover the whole operation for these businesses and more.

Bricklayer in a hard hat and safety vest building a brick wall

Masonry

Close-up of hands using a tape measure against a window frame during renovation work

Handyperson

Landscaper in gloves laying a roll of fresh sod beside a paver walkway

Landscaping (lawn care, tree services)

Painter on a stepladder applying spackle to a wall with a putty knife

Painting

Plumber in work gloves using a wrench on pipes under a bathroom sink

Plumbing, HVAC, electrical

Two workers on ladders installing drywall in a room under renovation

Remodeling & renovation

See how easy it is to get whole-business coverage for your business.

Get a Quote

COMPREHENSIVE COVERAGE

The protection you need, in one policy.

Contractor from behind carrying wiring through a brick building under construction

Workers’ CompensationProtect your people

Whether an employee is lifting a heavy appliance, using power tools, or operating landscaping equipment, an injury can happen on any job.

Workers’ Compensation helps cover medical care and lost wages when an employee experiences a covered work-related injury or illness.

THREE’s policy includes Workers’ Compensation, helping protect your employees and your business when a covered workplace injury occurs.

Cordless drill and power tools on a workshop floor

Tools & EquipmentProtect your property

Whether tools are stolen from a job or a fire damages your workshop, replacing the property your business relies on can be costly.

Tools and Equipment coverage helps cover the cost of repairing or replacing covered tools, equipment, and business property damaged or stolen.

THREE’s policy includes Tools and Equipment coverage, helping contractors and landscapers get back to work after a loss.

Two carpenters reviewing building plans at a workbench

Professional Liability (E&O)Protect your business

A client may claim that incorrect advice or an error in your work caused delays or financial harm. Even if you believe your business did nothing wrong, responding to the claim can be costly.

Professional Liability (E&O) coverage helps cover defense costs and damages when a client claims your professional services or advice caused them financial harm.

THREE’s policy includes Professional Liability coverage, helping protect your business from claims related to mistakes.

Contractor patching drywall in a room under renovation

General LiabilityProtect your business

Working at job sites and on customers’ property comes with risks. If someone is injured or you accidentally damage a customer’s property, your business could face a costly claim.

General Liability coverage helps protect your business against claims involving bodily injury or property damage.

THREE’s policy includes General Liability coverage, providing protection against accidents that can happen on the job.

Worker in a hard hat climbing into a skid steer loader

Owned & Non-Owned Auto LiabilityProtect your vehicles

Contractors rely on vehicles to transport crews, tools, and materials between job sites. If an employee causes an accident while driving a company vehicle or a personal vehicle for work, your business could face a costly claim.

Hired and Non-Owned Auto Liability coverage helps protect your business against claims when rented or personal vehicles are used for work.

THREE’s policy includes Hired & Non-Owned Auto Liability coverage, helping protect your business from risks associated with vehicles used on the job.

View all our coverages

Reviews

See what other businesses have to say about THREE

Jeannie P.

Family Restaurant Owner from California

I had a wonderful experience getting our insurance through THREE. An agent helped me with answering the application questions and took the time to explain things. I got my quote right away. I like the easy to read 3 pages that explain coverage. I like that THREE covers all 3 types of insurance in one policy. Another agent helped me the second day to complete the enrollment process. Both were professional and courteous.

Lars K.

Great service from Michael J and follow through by Samantha S. They were knowledgeable and extremely polite and patient. The process of enrollment was quick and the offering was better than the insurance I had previously. Highly recommend Three!

Sara G.

I had a great experience with Joseph Schaaf. I was inquiring about a new general and professional liability coverage and he answered all of my questions and explained everything in detail. He followed up with me and replied on my emails in a timely manner.

James S.

Excellent Process from inquiry through sign-up. Very impressed with the immediate call back and ability to answer any questions, completing the transaction and providing all supporting documents and information in a timely manner.

Donald L.

My experience of procuring GL and PL insurance with THREE Insurance was easy, clean, efficient, and affordable. The people I interacted with were knowledgeable and helpful. The whole experience was more enjoyable than expected.