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Contractor and Trades Insurance

Partners for Your Business Protection

Every job you take carries both reward and risk. Whether you're an electrician, plumber, HVAC technician, general contractor, or any tradesperson, you need protection from accidents, property damage, and liability that can arise long after the job is complete. Without proper coverage, one incident could threaten your livelihood.

For over 25 years, Gerety Insurance has helped Maryland contractors and tradespeople protect their businesses with coverage designed for the unique risks you face on every job.

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Who Needs Contractor and Trades Insurance?

Anyone in building construction, heavy construction, or home improvement needs specialized coverage. This includes general contractors, developers, electricians, plumbers, HVAC technicians, renovators, carpenters, handymen, welders, masons, roofers, security installers, and more.

Your business is defined by your scope of work, number of employees, and size of jobs—and so is your insurance coverage. Whether you're a one-person operation just starting out or a veteran with 20+ years in business, you need protection tailored to how you work.
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What Contractor and Trades Insurance Covers

Essential coverage includes general liability for accidents and property damage on job sites, equipment and materials coverage (inland marine) for tools and supplies in transit or storage, commercial auto insurance for your trucks and work vehicles including employee vehicles during company time, workers compensation for employee injuries and medical care, and errors and omissions protection for negligence or oversights that create customer losses.

Additional protections include bonds, umbrella coverage for extra liability protection, and property coverage for your business location.
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Get Coverage in 3 Simple Steps

  1. Review Your Operations We'll discuss your trade, scope of work, equipment, and potential risks.
  2. Build Complete Protection With access to 25+ carriers specializing in contractor coverage, we'll find the broadest protection at the best price.
  3. Gain a Trusted Partner Get a local broker who knows your name, understands your specific needs, and provides consultative risk management.
We represent multiple carriers with programs specifically for contractors and trades—from startups to established businesses throughout Maryland, Delaware, Pennsylvania, and Virginia.
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Why Work with a Local Broker

You don't have time to waste calling 1-800 numbers and getting bounced from department to department. As your local broker, we know your name and the specific needs of your business. Our consultative approach discovers gaps in coverage, identifies missing policies, and provides services your current agent may not offer.

You should focus on the work, not the risks. We'll make sure you have the right coverage so you can move on to the next job with confidence.

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Don't let inadequate coverage put your business at risk. Gerety Insurance provides the partnership and specialized protection contractors and tradespeople need.

Call us or request a quote online—let's start a conversation about your coverage.
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Serving Harford County, Bel Air, and Maryland contractors for over 25 years.
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