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Your trade.
Your coverage.
Every trade carries unique risk exposures, classification codes, and coverage gaps. We know yours — and we shop them against top-rated carriers in your space.
Find your trade below.
Tree Service — Our Anchor Trade.
Tree work is among the most hazardous operations in Georgia. Elevated work, heavy equipment, crew size variability, and permit requirements that change by zip code — we built specific tools for every one of these challenges.
- General Liability (GL) Occurrence-based, properly rated for tree removal operations including stump grinding and land clearing.
- Workers' Compensation Crew coverage with correct class codes — misclassification is a common audit trap we prevent from day one.
- Equipment Floater Chippers, stump grinders, bucket trucks, and saws — covered on and off your owned premises.
- Commercial Auto Fleet coverage including non-owned/hired for day workers using personal vehicles.
Tree Service — Specific Risk Items We Address
- Aerial work exclusions (height restrictions on GL policies)
- Stump grinding as a separate operation code
- Subcontractor crew COI management via Command Center
- Georgia permit lookup — Cobb, Fulton, Gwinnett, Cherokee, Paulding + 150+ jurisdictions
- Split-jurisdiction logic for Metro Atlanta zip codes (city vs. county permit requirements)
- Crew workers' comp audit protection
Roofing — High-Risk, High-Stakes.
Roofing is one of the hardest trades to insure correctly. Most carriers restrict it heavily or load the premium with exclusions. We work with the markets that specialize in roofing and know how to structure a policy that actually covers a real roofing job.
- Commercial General Liability Residential vs. commercial split properly handled. Completed operations included.
- Workers' Compensation Correct class codes for steep-slope, flat, and commercial roofing prevent audit surprises.
- Inland Marine / Tools & Equipment Nail guns, compressors, torches, and specialty equipment covered job-site to job-site.
- Commercial Auto Ladder racks, trailers, and crew haulers — properly scheduled and rated.
Roofing — What We Watch For
- Exclusions for flat/membrane roofing vs. shingle
- Completed operations tail coverage gaps
- Sub classification errors that trigger audits
- Height and slope restrictions buried in GL endorsements
- Water intrusion / property damage exclusion carve-outs
General Contractors — The Full Picture.
GC operations require the most comprehensive risk management of any trade. Multiple subs, layered liability, contract requirements, and project-specific risks — we handle all of it and support your compliance review process via the Command Center.
- Commercial General Liability Occurrence-based with proper completed operations tail. Additional insured requirements managed.
- Builders Risk Project-specific coverage from ground-breaking through certificate of occupancy.
- Subcontractor Default / OCIP Wrap-up programs and SDI for larger project exposures.
- Umbrella / Excess Liability Contract-required limits met without overpaying for capacity.
GC — Command Center Advantage
- Every sub's COI tracked and managed automatically
- Action Over and XCU exclusions flagged before work starts
- Compliance reports exportable for project owners
- Expiration alerts at 90/60/30 days — no lapses slip through
- Sub insurance requirements mapped to contract language
Plumbing — The Right Class Code.
Plumbing coverage is often misclassified, which creates audit exposure and gaps in completed operations. We get your classification right from day one and build a policy that covers real plumbing work — not just the sanitized version carriers prefer.
- GL with Completed Ops Water damage from faulty work is a primary claim driver. We structure your completed operations coverage properly.
- Tools & Equipment Pipe threading machines, camera systems, and specialty tools — scheduled and valued correctly.
- Professional Liability Design-build and advisory services covered under the same program when needed.
Plumbing Risk Checklist
- Water intrusion and damage exclusion review
- Correct trade classification codes (audit prevention)
- Service agreement / warranty extension coverage
- Sub-plumber COI management for GC work
Electrical — License-Protected.
Electrical contractors carry unique professional and operational exposures. E&O coverage for design work, proper GL for both residential and commercial scopes, and WC structured to survive an audit — we build the full package.
- Errors & Omissions Design-assist and spec work covered. One policy, one aggregate.
- GL — Residential & Commercial Split Many carriers exclude one or the other. We find markets that cover both.
- Workers' Compensation Master electrician vs. journeyman vs. apprentice — classified correctly every time.
Electrical Risk Checklist
- Residential exclusions on commercial GL policies
- License number requirements on certificates
- E&O tail coverage if you sell or wind down operations
- High-voltage or industrial work exclusion review
HVAC — Equipment & Service.
HVAC contractors deal with equipment breakdown, refrigerant liability, and service contract exposures that most GL policies don't cover adequately. We structure programs that address each one.
- Equipment Breakdown Installed systems and owned equipment — covered when they fail for mechanical reasons.
- Refrigerant Liability EPA compliance and third-party liability for refrigerant release events.
- Service Agreement Coverage Extended warranty and service contract exposure covered under a single policy.
HVAC Risk Checklist
- Refrigerant release and EPA compliance coverage
- Completed operations for installed system failures
- Service agreement cancellation and refund liability
- Commercial vs. residential scope restrictions
Excavation & Heavy — XCU and Beyond.
Excavation and heavy construction carry the most excluded coverages in the industry. XCU (Explosion, Collapse, Underground) damage is excluded from most standard GL policies — and most excavators don't find out until after a loss. We address this from the start.
- XCU Endorsement Explosion, collapse, and underground damage specifically endorsed back onto your GL.
- Equipment Floater Excavators, graders, dozers, compactors — covered by serial number and scheduled at replacement cost.
- Pollution Liability Diesel, hydraulic fluid, and soil contamination — covered for third-party claims.
Excavation Risk Checklist
- XCU exclusion confirmation and endorsement
- Underground utility damage (811 compliance documentation)
- Equipment scheduled at current replacement cost
- Pollution liability — on-site and third-party
- Completed operations for grading and site work
Food Trucks — Mobile, Covered.
Mobile food vendors, caterers, and concession operators face a mix of exposures most standard policies miss — serving the public, cooking equipment, the vehicle itself, and event-venue requirements. We build a program that covers the whole operation, on the road and on-site.
- General Liability Customer injury, foodborne-illness claims, and the product liability that comes with serving the public.
- Property & Equipment Cooking equipment, refrigeration, generators, and the build-out inside your truck or trailer.
- Commercial Auto The vehicle itself — properly rated for a mobile food operation, not a personal-use truck.
- Event & Venue Coverage Additional-insured certificates for festivals, markets, and private events when a venue requires them.
Food Truck Risk Checklist
- Product liability for foodborne-illness claims
- Cooking equipment and fire-suppression coverage
- Generator and propane exposure review
- Venue and event additional-insured certificates
- The vehicle rated as a mobile food operation, not personal use
Don't see your trade? We cover it.
Painting, masonry, drywall, flooring, framing, concrete, siding, fencing, landscaping — if you work with your hands in Georgia, we have a market for you. Start a quote and we'll handle the rest.