The Trades Hub
15 Trades. One Program.
Every trade has its own carrier appetite, its own endorsement issues, its own loss patterns. We don’t run NJ contractors through one generic pool — each trade is worked separately, with the markets that actually want it.
Standard, Harder, Specialty
Pick your trade.
Trades tagged with an orange marker are harder placements — typically routed to E&S for portions of the operation. We’re honest about that on the trade page, not at the end of a wasted week.
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General Contractors
The whole stack — your coverage, your subs’ COIs, your project policies.
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Plumbers
Service vs. new construction — class codes matter.
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Electricians
Fire causation drives the products-completed exposure.
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HVAC Contractors
Refrigerant cert, equipment haul, residential vs. commercial mix.
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Roofers
Harder placement reality — standard and E&S, honestly.
Harder placement · standard + E&S
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Landscapers
Maintenance, design-build, tree, snow — each is its own conversation.
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Carpenters & Framers
Framing vs. finish — different class codes, different markets.
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Painters
Solo-friendly. Interior residential is one of the easier placements.
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Drywall & Insulation
Spray foam exposure changes the carrier appetite.
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Flooring
Hardwood, tile, LVP — moisture damage is the typical claim.
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Concrete & Masonry
Decorative, structural, restoration — different placement realities.
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Excavation & Site Work
XCU exposure — needs confirming, not assuming.
Harder placement · standard + E&S
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Siding & Exterior
Vinyl, fiber-cement, EIFS — last one is its own carrier conversation.
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Restoration
Water, fire, mold — pollution exclusions are the buried problem.
Harder placement · standard + E&S
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Specialty Trades
Pools, solar, fencing, foundation repair, and 30+ more.
Don’t see your trade? Hit the quote button — we write more than this list, and if it’s genuinely outside our lane we’ll tell you straight and point you somewhere that’ll serve you better.
Ready When You Are
Pick your trade page or just quote the program.
Whether you’re a solo painter or a 30-person GC, the program is the same: GL, WC, Auto, Tools, Umbrella, Builders Risk — quoted in one intake.