Specialty Trade Contractors
Built for Contractors Who Can’t Afford Delays, Disputes, or Audit Surprises
Kriger Insurance specializes in insurance and risk management for specialty trade contractors who need compliant certificates, controlled Workers’ Compensation costs, and reliable claims execution.

Insurance for Specialty
​Trade Contractors

Specialty trade contractors face unique insurance challenges:
  • Client-mandated COIs and endorsements
  • Workers’ Compensation classification and audit risk
  • Subcontractor compliance issues
  • Jobsite liability and injury exposure
  • Contract-driven insurance limits
​
Most brokers place policies.
Kriger manages contractor risk

Common Contractor
​Insurance Problems We Solve

​Issue

  • ​Rejected COIs
  • WC audit surprises
  • Misclassified labor
  • Slow claims handling
  • Contract insurance gaps

Impact

  • Job delays and payment issues
  • Unexpected premium increases
  • Higher EMR and long-term costs
  • Project disruption
  • Increased liability exposure

The Kriger Contractor Risk Program

A specialized insurance and risk management program built for specialty trade contractors.​

Focus Areas

  • COI compliance and endorsement accuracy
  • Workers’ Compensation cost control
  • Claims coordination and closure
  • Safety and loss prevention
  • Contract-driven coverage optimization

Core Coverages​

  • General Liability
  • Workers’ Compensation
  • Commercial Auto
  • Umbrella / Excess Liability
  • Inland Marine / Tools & Equipment
  • EPLI (when applicable)

​Who We Work With

  • Electrical, plumbing, HVAC, flooring, carpentry, and specialty trades
  • 10–250+ employees
  • Commercial and industrial clients
  • Contractors tired of compliance and WC volatility

Start with a Contractor Risk Review

👉 COI and contract compliance review
👉 Workers’ Comp and EMR analysis
👉 Claims and safety assessment

Clear findings. No obligation.