CONTRACTOR INSURANCE
Coverage shaped around your trade
Fernstone helps electricians, HVAC contractors, plumbers, and other skilled trades secure coverage that fits residential service, commercial work, and new construction.
Built around the work you actually perform
Subcontractors, tools in transit, project values, fleet use, certificates, and contract requirements all shapei insurance requirements. We surface those details early so coverage keeps pace with the job.
02 / INDUSTRY EXPERIENCE
Electrical, HVAC, and plumbing contractors each bring distinct installation, service, property, equipment, and auto exposures. Fernstone understands how contract requirements and day-to-day operations interact.
General liability
Protection for third-party bodily injury and property damage arising from ongoing and completed work.
Professional liability
Coverage for claims arising from professional advice, design, specifications, estimates, or alleged errors and omissions.
Umbrella + commercial auto
Higher limits and vehicle protection designed around crews, service calls, deliveries, and multi-vehicle operations.
$2,500–$100K+
Coverage context across contractor accounts Fernstone handles.
Relationships that match the way you build
Our carrier relationships help contractors access coverage that fits the work they actually perform—from residential service calls to commercial projects and ground-up construction.
Contract review before requirements become problems
Fernstone can review owner, general contractor, lender, and property manager requirements and help align limits, endorsements, additional insured status, and certificates.
Fernstone is licensed in all 50 states and ready to support contractors nationwide—from owner-operators winning their first commercial job to established multi-trade businesses.
Deep contractor expertise. Fast, clear support.