TradeGuard Insurance for Subcontractors

Get Qualified. Get Covered. Get to Work.

We help subcontractors get the right insurance fast — so you qualify for more jobs and get working sooner. Purchase coverage in minutes, not days.

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Same-day coverage available · 50+ carrier markets · No minimums

Get What You Need, Right Now

Everything you need to manage your insurance is just a few clicks away.

Get a Quote

Tell us about your business

Get a Quote
Surety Bonds

Purchase online in minutes

Get Bonded
Request a COI

Get your certificate instantly

Request COI
Submit a Claim

File your claim anytime, anywhere

Submit Claim

Insurance That Gets You Working Faster

Stop losing jobs because of insurance delays. Get covered, get qualified, and get paid.

Get Qualified Faster

Purchase the right policy in minutes — directly inside the onboarding flow. No back-and-forth, no waiting days for quotes.

Meet GC Requirements

We know exactly what general contractors require. Get coverage that matches their standards so you qualify for more jobs.

Competitive Rates

We shop 50+ carrier markets to find you the best price. Stop overpaying for coverage that doesn't fit your trade.

Same-Day Coverage

Need coverage today? We can bind policies the same day so you're not waiting to start work.

Real Support

COI requests, billing questions, coverage changes — get help when you need it, not when it's convenient for someone else.

Stay Protected

We monitor your policies and alert you before anything lapses — so you never lose your work-ready status.

From Quote to COI in Record Time

Getting insured shouldn't slow you down. Here's how we make it fast.

1
Tell Us About Your Trade

Share what you do, your crew size, and the types of projects you work on. We'll match you with the right coverage.

2
Get Competitive Quotes

We shop your risk across 50+ carrier markets to find you the best rate — no need to call around yourself.

3
Review & Bind

Review your options in plain language. Once you choose, we can bind coverage the same day.

4
Get Your COI & Get to Work

We send your Certificate of Insurance directly to your GC. You're qualified and ready to start.

Coverage That Qualifies You for More Work

We know what GCs require. Get the exact coverage you need to stay qualified.

General Liability

Meet GC requirements and protect against property damage and bodily injury claims

Workers' Comp

Required coverage to get on the job — we make it fast and affordable

Commercial Auto

Coverage for your trucks and vehicles used on the job

Umbrella / Excess

Additional liability protection when projects require higher limits

Inland Marine

Protect your tools, equipment, and materials in transit or on-site

Professional Liability

Protection against professional negligence claims

Surety Bonds

Performance and bid bonds to qualify for more contracts

Get Insured Without Leaving the Onboarding Flow

If your GC uses TradeGuard Compliance, you can purchase insurance directly inside the onboarding process. No separate applications, no waiting — just get covered and get qualified in one step.

  • Purchase coverage during GC onboarding
  • COI sent directly to your GC
  • Competitive rates from 50+ carriers
  • Same-day binding available

Frequently Asked Questions

In many cases, same-day. Tell us about your business, review your quote, and we can bind coverage immediately so you can get your COI and get to work.

Send us their requirements and we'll make sure your policy matches exactly what they need — right limits, right endorsements, right additional insured language. We deal with this every day.

Yes. Once your policy is active, we can send your Certificate of Insurance directly to your general contractor — instantly.

Yes. K.S.A. 50-6,125 requires a certificate of liability insurance of not less than $500,000 filed with the application, and K.A.R. 16-8-2 requires the insurer to be authorized in Kansas. We write the policy and issue the certificate naming the Office of the Kansas Attorney General as certificate holder, the same day in most cases once the policy is bound. See Kansas roofing registration insurance requirements.

Yes, in Kansas and Missouri. Some contractors call it a ghost policy: a minimum-premium workers comp policy written for a business with no employees, usually to produce a certificate a GC requires. What it covers, any owner exclusions and its audit terms vary by policy, and some GCs will not accept one, so we confirm your GC's requirement first. Whether the law requires coverage depends on the state: see Kansas workers comp requirements and Missouri construction workers comp.

Absolutely. Whether you're a one-person crew or running a larger team, we have coverage options that fit your needs and budget. No minimums.

Yes, we offer flexible payment plans including monthly installments to make managing your insurance costs predictable.

We insure contractors in these trades. Site work: asphalt paving, demolition, earthwork, excavating, grading, land clearing, road construction, site utilities installation, storm drain, water line, retaining walls. Concrete and structure: concrete, flatwork, foundations, masonry, framing, storm safes. Roofing and exterior: roofing, gutters, siding, stucco, EIFS, waterproofing, sealants and caulking, curtain wall installation, storefront systems, glazing, window installation, exterior doors, garage doors, fencing. Mechanical, electrical and plumbing: electrical, plumbing, HVAC, ductwork installation, sheet metal, boiler installation, chiller installation, refrigeration systems, mechanical contracting, mechanical insulation. Interiors and finishes: drywall, insulation, painting, flooring, carpet, tile, LVP, vinyl, granite, finish carpentry, trim carpentry, fireplaces, bath hardware, window treatments. Landscaping: landscaping, irrigation, sod. Services: cleaning. If you don't see your trade, call us and we'll tell you what we can do.

Yes! If you're being onboarded through TradeGuard Compliance, you can purchase the right policy directly inside the onboarding flow — without leaving the process. It's the fastest way to get qualified.

Filing a claim is simple. Submit online through our claims form anytime, or call us directly. We'll guide you through the process and advocate on your behalf.

Stop Losing Jobs Over Insurance.

Get the right coverage, qualify for more work, and start faster. TradeGuard makes it simple.

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