Commercial Coverage

Specialty Contracting

Contractors are exposed to risk in a variety of ways so finding the right insurance policy to manage risk and protect your business is essential.

Our team is highly experienced in all aspects of the construction industry, including specialty trades. We can help you find the right policy to address your unique needs, manage your risk, and ensure your business is protected. Industries we design insurance plans for:

• HVAC • Electricians • Plumbers
• Fire Sprinkler Techs • Pipe Fitters • Steam Fitters
• Landscapers • Carpenters • Painters
• Concrete Pourers • And More!

Schedule a FREE business consultation

Possible Insurances for Your Specialty Contracting Business

General Liability

General Liability is essential insurance coverage that protects your business in the event that you are held liable for third-party injury or property damage. Small injuries from something like dropping a tool and hurting someone or a job site accident that damages someone’s car parked nearby – the range is large and the coverage pays for expenses associated with the incident including medical fees, and damages. Coverage is provided regardless of your case outcome.

Workers' Compensation Insurance

If you have one or more employees that you pay, it is important to have Workers’ Compensation Insurance. This insurance protects your company from litigation in the event of a workplace accident that results in injury or death by covering medical fees and lost wages.

Commercial Vehicle Insurance

Any vehicle type or size that you use for your business should be insured with Comercial Vehicle Insurance. To prevent a total loss, it is important that you have coverage for both accident-related incidents and also collision and non-collision damages.

Commercial Property Insurance

Wherever you run your specialty contracting business from, including offices, warehouses, etc., must have Commercial Property Insurance. It is important because it can prevent a total loss from things such as fire, theft, flooding, and wind. This type of insurance covers any physical losses on/in your commercial property such as tools, equipment, furniture, computers, and more.

Builders' Risk Coverage

There is an inherent risk in any construction or contracting project and unfortunately, sometimes accidents happen or mistakes are made. For this reason, it is essential that specialty contractors carry Builders’ Risk Coverage which protects both you and your business from unanticipated losses before a project is finished.

Inland Marine

Most specialty contractors will have to order parts, or other goods as well as transport them to the job site. While those goods are in transit or in the process of being transported, Inland Marine insurance protects them to ensure that you don’t have a total loss in the event of things like an accident or theft.

Umbrella Insurance

Umbrella Insurance is a supplemental form of insurance that pays for losses after your primary insurance coverage maximum has been reached. If you have debt beyond what something like your commercial auto insurance or general liability insurance covers, Umbrella Insurance will pay to its policy limits to prevent you from having to pay out-of-pocket.


Even the most experienced and knowledgeable specialty contractors make mistakes from time to time. Whether you mishandle a plumbing job, masonry work, or a flooring installation, if you are held liable for your mistakes, Professional Insurance protects both you and your business from civil litigation from accused negligence.  Additionally, Professional Insurance protects you from having to pay potential damages related to a civil lawsuit for which you are found negligent. In the event legal actions are deemed groundless, this insurance may also include defense costs.


Specialty contractors often use various chemicals or products that are considered environmentally hazardous. If an accident or spill occurs that results in environmental damage. injury, or death, Pollution insurance pays for medical expenses and damages. It also pays for brownfield restoration and cleanup if needed.

Cyber Insurance

Most specialty contractors use an online database or software to store client information, invoice clients, etc. which means sensitive information is stored. Cyber Insurance provides coverage if a cyber breach such as hacking, data destruction, extortion, theft, or denial of service attack occurs.

Employment Liability Insurance

If you have one or more employees, it is important to have Employment Liability Insurance. This coverage protects you and your employees in the event that an employee is injured while on the job and it is not covered by Workers’ Compensation Insurance. This type of coverage may also be bundled with Workers’ Compensation Insurance.

Protect Your Business

We have extensive industry knowledge and experience that enables us to have a unique understanding of a contractor’s business, risk exposures, and insurance needs. Let us help you find the proper insurance coverage for your unique needs. We will work with you to develop a risk reduction system that improves workplace safety and provide clients with helpful tools and solutions, including:

• 24/7 Access to Certificates of Insurance in our online portal.
• Access to a library of Safety Infographics and Report Sheets.
• A dedicated place to log OSHA incidents.
• Access to a Best Practices Safety Database
• Safety Videos to streamline and optimize new employee training.

Our Solutions

With modern day solutions to everyday problems, we offer:

Proof Of Insurance

24/7 digital proofs of insurance through our online portal. `

Risk Management Materials

We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.

Apply Online

Online quick apply small contract bonds for up to $400,000

Great Support

Unwavering employees, dedicated to helping you find a unique solution to your problem.

Our Beliefs

Our Beliefs

We believe while 21st digital solutions make workplaces efficient and quick paced; but some projects require a human interaction that cannot be replaced by a digital portal. We pride ourselves on our staunch dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe your more than just another number in our book, you’re a business partner, one we know we can keep for life.


Our Team Strives to Improve Our Processes and Services Every Day

Wan’t To Learn More?

Let’s Connect

Contact Us for more information from one of our team members or to get a free quote now.

Get Free Quote

When we started our business we had no idea the covereage we needed. The team at RRM helped us find the right coverage and continue to provide excellent support. We love working with them and recommend them to everyone!

Scott Cain Rhino Scooters

When all was said and done it was clear that Jerry and RRM was the right choice for us. I’m grateful to have an agent that is in my corner and is always there to answer questions and solve problems.  I have and will refer friends and family to Jerry and RRM Insurance Services, they get my highest recommendation.

-Anthony N.

I am a small commercial contractor and they have helped us walk through the bonding processes. They have been very respectful, welling to answer all of our questions, and provided great advice. The best part is that we have been able to do several public projects that require a bid bond and then a performance bond. They are really responsive and provide great service. I have no concerns giving them 5 stars and recommending them.

Rusty Riggs

It’s always a pleasure contacting Jerry Morris with RRM Insurance Services. For any insurance need we have, Jerry has always taken care of it swiftly and effectively. He has always provided sound advice and ensures to get us the best value and savings possible!

Vivian Solorio, CFO