Specialty Insurance
Insurance for Artisan Contractors
Built for the Trades. Priced for Real Life.
You're a craftsman. You work with your hands, you solve problems on the fly, and you take pride in quality work. But here's the deal—one accident, one claim, one job gone sideways can put you out of business.
Whether you're an electrician, plumber, HVAC tech, roofer, carpenter, or mason—we get it. You don't need fancy insurance talk. You need coverage that works, that protects your ass(ets), and that doesn't drain your bank account.
The Problem
Big insurance companies lump you in with general contractors and overcharge you
You get sold coverage you don't need and denied coverage you do need
Agents don't understand the difference between roughing in electrical and finish carpentry
You're stuck with one-size-fits-all policies that don't fit your trade
Our Solution
We specialize in skilled trades and understand the nuances of your work
We classify your work correctly so you're not overpaying
We build custom policies based on what you actually do on the job
We have access to 15+ carriers, including specialty insurers that focus on the trades
Bottom Line: We know the difference between rough-in work and finish work. We know what tool coverage matters. We know why your truck isn't just a truck—it's your rolling warehouse. That knowledge saves you money.
The Coverage You Actually Need
No fluff. No upsells. Just the protection that keeps you working.
Tools & Equipment Coverage (Inland Marine)
Your tools are your livelihood. If they're stolen, damaged, or destroyed, you're dead in the water.
What It Covers:
Hand Tools – Drills, saws, nail guns, pipe wrenches, levels, measuring tools
Power Tools – Table saws, miter saws, impact drivers, grinders, welders
Jobsite Theft – Tools stolen from your truck, trailer, or worksite
Off-Site Coverage – Protection even when tools are at a client's location
Why You Can't Skip This:
Your truck or van policy does NOT cover tools inside the vehicle. Most contractors learn this the hard way after a break-in.
Typical Cost:
$300-$800/year depending on tool value
Commercial Auto Insurance
If you're driving to job sites—whether it's a work truck, van, or even your personal vehicle with tools inside—you need commercial auto coverage.
What It Covers:
Liability – Damages and injuries you cause to others in an accident
Physical Damage – Repairs or replacement of your vehicle after a collision or theft
Medical Payments – Medical bills for you and passengers
Uninsured Motorist – Protection if you're hit by someone with no insurance
Why You Can't Skip This:
If you're driving for business purposes—hauling tools, materials, or equipment—your personal auto policy can deny your claim. Don't risk it.
Typical Cost:
$1,200-$2,500/year per vehicle
Workers' Compensation
If you have employees—even part-time helpers or apprentices—workers' comp is required by law in Iowa.
What It Covers:
Medical Bills – Hospital, surgery, physical therapy, prescriptions
Lost Wages – Partial pay while your worker recovers
Disability Benefits – Long-term payments if they can't return to work
Legal Protection – Defends you if an employee sues over an injury
Why You Can't Skip This:
It's the law in Iowa—get caught without it and face massive fines. One serious injury can cost $100K+ in medical bills and lost wages.
Typical Cost:
Varies based on payroll and job classifications
Package Deals Save Money: Bundle your GL, tools, and auto coverage and save 10-25%.
Trades We Insure
We work with artisan contractors across Central Iowa
Electrical Contractors
Residential and commercial electricians
Service and repair electricians
Low-voltage and data cabling specialists
Plumbing Contractors
Residential and commercial plumbers
Service plumbers and pipefitters
Drain cleaning and sewer repair specialists
HVAC Contractors
Heating and cooling installation and repair
Ductwork contractors
Refrigeration specialists
Roofing Contractors
Residential and commercial roofers
Roof repair and maintenance
Gutter and siding installers
Carpentry & Finish Work
Finish carpenters and cabinet makers
Deck and fence builders
Trim carpenters and millworkers
Masonry & Concrete
Bricklayers and stone masons
Concrete flatwork and foundation specialists
Tuckpointing and restoration
Don't see your trade listed? We still insure it. Call us.
What You're Really Buying
Let's be blunt—insurance feels like a waste of money until you need it.
But here's what you're actually buying:
Sleep at night – You're covered if the worst happens
Asset protection – Your house, truck, and bank account stay safe if you get sued
The ability to work – GCs and commercial clients require proof of insurance
Business survival – One claim doesn't mean game over
Legal protection – Defense costs alone can bankrupt you without coverage
Get Covered Today
You didn't get into the trades to deal with insurance headaches. Let us
handle it so you can get back to work.
Call us. Get a quote. Get protected.
Independent Insurance Agency representing 15+ A-rated carriers to provide you with more choices, competitive pricing, and coverage built for your unique situation.
Insurance
Company
Contact Us
510 E Locust St, Ste 200 Des Moines, IA 50309
515-762-6330
Mon-Fri 8am - 5pm
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