Trade Contractors Program Insurance

McInturf Fulmer Insurance Is Your Business’s Source for A Wide Array of Business Coverage

Contact Us

Does your insurance policy have the right tools?

Review the coverages in our toolbox.

We offer comprehensive insurance coverage is specifically designed to meet the needs of your contracting business.

Eligible Classes of Business

Air Conditioning Systems*

Appliance & Accessories – Installation & Repair – Commercial or Household*


Carpentry – Interior*

Carpet, Rug, Furniture or Upholstery Cleaning*

Ceiling or Wall Installation – Metal*

Concrete Construction

Dish/Cable Installation*

Door, Window or Assembled Millwork Installation

Driveway, Parking Area or Sidewalk – Paving or Repairing

Dry Wall or Wallboard Installation*

Electrical Work*


Fence Erection Contractors*

Floor Covering Installation*

Furniture or Fixtures – Installation in Offices or Stores*

Glass Dealers & Glaziers*Ape


Heating & Air Conditioning Systems or Equipment*

House Furnishings Installation*

Interior Decorators*

Janitorial Services – Residential or Light Office*

Landscape Gardening*

Lawn Sprinkler Installation*


Painting – Exterior (3 stories or less) or Interior*



Plumbing – Residential or Commercial*

Pressure Washing

Refrigeration Systems or Equipment – Installation & Repair – Commercial*

Roofing – Residential

Septic Tank Installation*

Sheet Metal Work

Siding Installation

Sign Painting or Lettering – Inside Building – No Spray Painting*

Tile, Stone, Marble Mosaic or Terrazzo Work – Interior*

Water Softening Installation*

Window Cleaning (3 stories or less)

*Contractors Errors & Omissions eligible classes

Do You Need Contractors Errors & Omissions Liability?

This coverage protects you from liability damages and defense costs due to claims brought by customers who allege property damage or impaired property arising from your work or work product.

Specific Coverages

Need protection for materials/equipment you are installing?

We give you automatic coverage for $2,000, and you can increase this limit up to $100,000. We also include coverage for transporting or storing the material/equipment.

Policies provide coverage for liability arising out of:

Premises and Operation

Fire Damage Liability

Personal and Advertising Injury

Medical Payments

Products and Completed Operations

You may also want to consider a Business Owners Package, which combines your liability, property, and other types of coverage into one comprehensive policy and can help you save time and money on your total insurance program. Since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

What happens when you’re installing that bay window worth $3,000 and you drop it?

With our Trade Contractors Program, you’re covered – at no extra charge – for up to $5,000 for any one loss or up to $25,000 total during the policy period.

Does your current policy automatically give you coverage on portable tools and equipment?

We do - $2,500 is built right into your policy. Increase this to higher limits if you need more coverage. You can also get coverage for larger equipment.

Do you need coverage for any of the following?

Additional Insureds for Work Contracts

Non-Owned Tools or Employees’ Tools

Lessor of Leased Equipment

Manager or Lessee of Premises

We could cover these and more at a minimal additional cost. Contact McInturf-Fulme Insurance Group for details and eligibility.

Does your current policy give you Comprehensive Identity Management Services?

We do.

Does your current policy provide you extensive coverage at a competitive rate?

We can – our policy includes coverages for loss of business income, money and securities, employee dishonesty, accounts receivable and much more.

With McInturf-Fulmer Insurance Group’s Trade Contractors Program, it’s easy to tailor a policy to your specific requirements. Add building coverage, inland marine, auto or umbrella coverage, as your insurance needs dictate.

Site Links

Coverage Categories

Customer Service

Please note that NO changes to your policy or coverage are binding by submitting Online Forms & Requests. Change requests will only be considered bound upon confirmation from your Broker/Agent.