Electricians, HVAC, carpenters, landscapers, plumbers, and janitorial contractors — liability, tools and equipment, builders risk, and workers' comp from a local agent who can get your certificate out the same day.
Whether you're a one-truck operation or running crews across Westmoreland and Allegheny County, we'll build coverage that matches the work you actually do.
Framing, finish carpentry, trim, decks, cabinetry, custom builds. Your saws, nailers, and compressors walk off job sites more than anything else you own — tools and equipment coverage is the one most carpenters are missing. Add completed-operations liability for the work after you've left.
Tools & Equipment · Completed Operations · Workers' CompResidential and commercial electrical contractors, service upgrades, panel work, generators, low-voltage. Faulty wiring claims surface years later — long after the job is closed out — which is why completed operations coverage matters more in this trade than almost any other.
Completed Operations · Tools & Equipment · Commercial AutoHeating and cooling installers, furnace and AC service, ductwork, refrigeration, boilers. You're working with equipment that can flood a basement or start a fire, and hauling expensive gear between jobs. Installation coverage protects units in transit and while being installed — before the customer's policy picks them up.
Installation Floater · Completed Operations · Commercial AutoLawn maintenance, landscape design and install, hardscaping, tree work, mulching, snow removal. Mowers and trailers are stolen constantly, and a rock through a client's window is a weekly reality. If you plow in winter, make sure snow removal is disclosed — it's a separate exposure most policies don't automatically include.
Tools & Equipment · Commercial Auto · Snow Removal OpsOffice cleaning, building maintenance, post-construction cleanup, floor care, window washing. You work inside other people's buildings after hours with keys and alarm codes — so care, custody and control and employee dishonesty coverage matter as much as slip-and-fall liability. Most commercial contracts require you to name the building owner as additional insured.
Care, Custody & Control · Employee Dishonesty · Additional InsuredService plumbers, repipes, water heaters, drain and sewer, new construction rough-in. Water damage is the claim that defines this trade — one failed connection above a finished basement gets expensive fast, and it usually surfaces after you've left the job.
Completed Operations · Water Damage · Tools & EquipmentBodily injury and property damage arising from your operations — and from work you've already completed.
Covers tools stolen from your shop, from a job site, or from the truck — the loss that actually happens.
Materials, supplies, and fixtures while in storage, in transit, or being installed on the job.
Required in PA from your first employee. Includes employers liability and other-states coverage.
Trucks, vans, and trailers. Erie's Business Auto Enhancement adds blanket additional insured without scheduling each one.
Optional add-ons for job-site pollution exposure and errors in the work you perform.
Completed operations. Most claims against contractors don't happen while you're on the job — they show up months or years later, after the work is finished and you've moved on. If your policy doesn't extend to completed work, you're covered only while you're standing there.
Tools away from your shop. A standard property policy generally covers tools at your premises. It doesn't follow them to a job site or the bed of your truck — which is exactly where they get stolen.
Materials before they're installed. Between delivery and installation, that material is your responsibility. Builders risk and installation coverage handles it in storage, in transit, and while it's going in.
Send us the details and we'll turn it around — usually the same business day. Additional insured, waiver of subrogation, job name, whatever the GC is asking for.
We're a family-owned agency in Irwin — not a call center. When a general contractor needs your certificate before Monday, you reach a person who can actually produce it.
And we back it with Erie — risk control consultants at no extra cost, local claims offices, and a carrier that's built its reputation on service since 1925.
If you're a sole proprietor with no employees, Pennsylvania generally doesn't require it — and municipalities will usually accept a signed affidavit stating you have no employees. But the moment you hire anyone, including a family member or part-time help, coverage is required. Give us a call and we'll walk through your situation.
Usually the same business day. Send it through our certificate request form or call us — if you're up against a deadline, tell us and we'll prioritize it.
Only if you carry tools and equipment coverage — a standard property policy generally won't cover tools away from your premises. Erie's contractors tools and equipment coverage extends to tools stolen from a building, a job site, or elsewhere. This is one of the most common gaps we find.
Most GCs and municipalities want to see $1 million per occurrence and $2 million aggregate before they'll let you on the job, often with themselves named as additional insured. If you're getting turned away or asked for higher limits than you carry, send us the requirements and we'll tell you what it takes to meet them.
Yes — that's a routine request and one of the most common reasons contractors call us. Send us the GC's requirements along with the job name and we'll get the endorsement and the certificate handled. If you're up against a start date, say so and we'll prioritize it.