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Specialty Trade Contractors Insurance
Specialty Trade Contractors Insurance

While specialty trade contractors may face similar risks as general contractors, there are some specific things to consider when deciding on an insurance policy. We at Clemens Insurance want to help protect your business and your employees with specialized coverage that meets your specific needs.


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As the name suggests, the specialty trade contractor subsector is much more specialized than its counterparts. Specialty trade contracting includes pouring concrete, site preparation, plumbing, painting, and electrical work, but usually, the contractors are not responsible for the entire project. Clemens Insurance is familiar with the unique conditions and risks faced by specialty trade contractors, and we want to help ensure that your company is prepared for whatever is thrown at it.


Get Insurance for Specialty Trade Contractors: Bloomington IL


As such, specialty trade contractors in Bloomington IL, require insurance that is unique to what they do, as much of their work may not fall under commercial general liability policies. Often, specialty trade contractors perform the bulk of their work on-site, but they may also have shops where they handle prefabrication and other tasks, something that counterparts in the industries may not do.


What Is Included With Specialty Trade Contractors Insurance?


Generally, insurance companies will provide some combination of the following:

  • Workers’ compensation

  • Retirement plans

  • Group benefits

  • Liability coverage

  • Property insurance

  • Umbrella coverage


Before you pick a specialty insurance company, you should look at its financial performance. Can they do what they say they will? Have they done so? Insurance companies gauge their performance based on what’s called a “combined ratio,” something you should look at before finalizing a decision. Further, you ought to take a look at the company’s insurance class - there are two: admitted and non-admitted. Both have their pros and cons, so spend some time getting familiar with them as you select a company to provide specialty trade contractors insurance in Bloomington IL.

Specialty Trade Contractors Insurance
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Mailing Address:
P.O. Box 128
Bloomington, IL 61702

Street Address:
2806 E. Empire St
Bloomington, IL 61704


309 662 2100



8:00 AM - 4:30PM

Please note completion of any request(s) for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting a request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company.