Contractors & Trades Insurance

Tailored Coverage for the Crews that Keep Connecticut Running.

Whether you're a general contractor, electrician, roofer, plumber, landscaper, or carpenter—your job sites change daily, and so do your risks. We help protect the people, tools, and projects that keep your business moving with commercial coverage built specifically for skilled trades.

At Spectrum Insurance, we work with contractors across Connecticut to design custom insurance plans that meet your license requirements, protect your property, and keep your business compliant on every job site. We shop over 25 top-rated carriers to find you the best coverage at the right price—no fluff, no unnecessary extras.

What We Cover for Contractors

• General Liability – Protection from third-party injuries or property damage claims
• Workers’ Compensation – Covers medical bills and lost wages if an employee is hurt on the job
• Commercial Auto – Keeps your trucks, trailers, and crew vehicles covered on the road
• Tools & Equipment (Inland Marine) – Coverage for gear that moves from job to job
• Commercial Property – For your office, shop, or warehouse
• Umbrella Coverage – Extra liability protection in case a major claim exceeds your policy limits

Real-World Example: The Ladder Slip

You’re wrapping up a roofing job in eastern Connecticut. One of your workers loses footing on a ladder and breaks their wrist. Between ER bills, follow-up appointments, and time off the job, the costs pile up quickly.

Thanks to your workers’ comp policy, the employee’s care is covered, and you avoid paying out-of-pocket—or facing a lawsuit. Your business continues operating smoothly without disruption.

Why Contractors Work with Spectrum

• We know the trades. We insure electricians, framers, HVAC techs, masons—you name it.
• We speak your language. Need a cert of insurance fast for a new job? We’ve got you.
• We’re local. We understand Connecticut’s labor laws, project requirements, and seasonal risks.
• We make it easy. One point of contact, multiple quotes, same-day responses.

Get Coverage That Works as Hard as You Do

You don’t cut corners—and neither do we. Let’s protect your crew, your gear, and your reputation.

Start Your Quote Today

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