Commercial Insurance for Contractors & Trades

Your workers' comp program deserves more than a renewal quote.

We build risk management programs for contractors and trades — not just policies. If your current broker can’t explain your X-Mod, it’s time to talk to us.

Also writing:General Liability·Commercial Auto·Professional Liability·Property·Inland Marine

Serving contractors since 2007

20+ years in commercial insurance

Licensed in 5 states & growing

What Contractors Say

“

We used to lose time waiting on certificates of insurance—they’d take forever and were rarely right the first time, which held up getting paid. Unique Risk fixed that. Now certificates come back correct within 30 minutes, and we never have to ask twice.

Isaac C.Electrical Contractor

“

Michelle and Scott are trusted partners for our business. When we need a Certificate of Insurance on short notice to hit a client’s deadline, they turn it around impressively fast — always proactive, professional, and efficient. Knowing we can rely on them gives us real peace of mind.

Nick K.Accessibility Consultant

“

A general contractor had strict insurance requirements that were holding up work for us. Unique Risk stepped in and worked directly with the GC to ensure every requirement was met — so we could move forward and keep growing the business.

Manuel A.Roofing Contractor

“

My spooling service is unique, and Michelle has gotten us all the coverage we need for four years now. Extremely communicative and reliable — thank you Michelle and Scott.

Matthew B.Spooling Service

“

I’ve been with them about 15 years. Michelle is fantastic — responsive, great communication, and she takes care of everything for us.

Jeremy G.Pool Contractor

Coverage

Everything your business runs on, under one roof.

Six core lines, each written specifically for contractors and trades, matched to the risks your work actually carries.

General Liability

Protection against third-party bodily injury and property damage claims on and off the jobsite.

Workers' Compensation

Coverage for on-the-job injuries — plus the X-Mod strategy that keeps your premium under control.

Commercial Auto

Coverage for company vehicles, work trucks, and the crews and equipment they carry.

Professional Liability

Protection against claims of errors, omissions, or negligence in the work you perform.

Property

Coverage for owned or leased buildings, shops, and business personal property.

Inland Marine

Coverage for tools, equipment, and materials in transit or stored off-site.

Why Unique Risk

A risk advisor first. An insurance agency second.

We speak contractor, not just insurance.

Class codes, certified payroll, GC prequalification — we already know your world before we quote it.

We manage your X-Mod, not just your renewal.

Annual worksheet reviews and claims advocacy that protect your mod long after the policy is bound.

Direct access to your broker — not a call center.

One point of contact who knows your account, your claims history, and your renewal timeline.

Free Download · Contractor Resource Center

Understanding Your Experience Modification Rating (X-Mod)

The complete guide to how your mod is calculated, what actually moves it, and how contractors use it to win more work. No quote request required.

Ready to see where your program stands?

Request a quote, or start with a free review of your current Experience Modification Rating.