Trades We Cover
Worksured offers General Liability insurance for a wide range of skilled trades across residential and commercial work. Below is the full list of trades we currently cover. If you don't see your trade, contact our team and we'll let you know whether we can help.
How trade questions work
When you start a quote, you'll choose the trade that best matches the work you do. For some trades, we'll ask a few extra questions about specific types of work.
Answering "yes" to one of these questions doesn't mean you can't get covered. It may mean your quote needs a quick review by our underwriting team, or that your price reflects the type of work involved. Answering accurately helps make sure your policy matches the work you actually do.
Some trade names also include what's not part of that category (for example, "No Spray Painting"). If your work includes something excluded from your trade, contact us before completing your quote.
General Contracting
Trade | Additional questions we may ask |
General Contractor – Residential | Whether your own workers (not subcontractors) do plumbing, hot roofing, or sprinkler work; whether you do asbestos or hazardous-material removal |
General Contractor – Commercial | Whether you work on hospitals, schools, or government facilities; whether your own workers do plumbing, hot roofing, or sprinkler work; whether you do asbestos or hazardous-material removal |
Handyman / Property Maintenance | Whether you do any hot work or demolition; whether your own workers do structural roof work, gas line work, or work requiring a specialty trade licence or permit; whether roofing or plumbing done by your own workers is more than 25% of your revenue |
Demolition | None |
Carpentry & Interior Finishing
Trade | Additional questions we may ask |
Carpentry – Framing / Rough | None |
Carpentry – Finish / Trim | None |
Drywall / Taping (No Exterior Work) | None |
Painting & Decorating (No Spray Painting) | Whether you do lead-paint abatement; whether you do sandblasting or industrial spray coatings |
Flooring (Carpet / Vinyl / Wood) | None |
Tile, Stone & Terrazzo (No Stonework / Structural) | None |
Insulation (No Spray Foam) | Whether you do asbestos or hazardous-material removal |
Exterior & Building Envelope
Trade | Additional questions we may ask |
Roofing (Cold Application Only) | Whether you do industrial or institutional roofing |
Siding & Exterior Cladding / Plastering & Stucco (No EIFS) | Whether you work above 6 storeys; whether you use any torch or heat application |
Glazing / Glass & Windows | Whether you do exterior glazing above 6 storeys |
Sheet Metal (Not Roofing) | Whether you work above 6 storeys |
Fencing & Decks | Whether you build decks or structures more than 15 ft above grade; whether you do torch-applied membrane or waterproofing work |
Sign Installation | Whether you install highway, traffic, or overhead-roadway signs |
Masonry, Concrete & Stone
Trade | Additional questions we may ask |
Masonry & Bricklaying | Whether you build load-bearing or retaining walls over 1.2 m (4 ft) |
Concrete & Foundations (No Work on Public Roadways or Highways) | Whether you do foundation repair, underpinning, or below-grade work; whether you do structural concrete (not just flatwork) |
Tile, Stone & Terrazzo (Incl. Stonework / Structural) | Whether you build load-bearing or retaining walls over 1.2 m (4 ft) |
Mechanical, Electrical & Energy
Trade | Additional questions we may ask |
Electrical | Whether you do power-line, high-voltage (over 750V), or utility work; whether you provide alarm-system monitoring (not just installation) |
Plumbing (No Sprinkler Work or Gas Fitting) | None |
HVAC (No Refrigeration / No Plumbing) | None |
Fire Sprinkler / Suppression | None |
Solar / Renewable Installation | Whether you work with battery-storage or high-voltage components |
Welding Contractors (Off-Premises, No Oil & Gas) | Whether you do any fabrication (not just off-site welding or repair) |
Welding Contractors (Oil & Gas, Off-Premises) | Whether you do hot tapping |
Site Work & Grounds
Trade | Additional questions we may ask |
Excavation & Grading (No Work on Public Roadways or Highways) | Whether you excavate deeper than 4.5 m (15 ft); whether you ever dig without underground utility locates; whether you do blasting, shoring, tunnelling, or pile-driving |
Landscaping & Grounds | Whether you provide snow and ice management; whether you build retaining walls over 1.2 m (4 ft) |
Snow & Ice Management | None |
Septic & Water Well (No Oil & Gas) | Whether you drill oil wells or environmental soil samples; whether you install systems without provincial permits or inspections; whether you work on contaminated sites |
Choosing the right trade
Pick the trade that describes the main work your business does. If you do work across several trades, or you're not sure which one fits, our team can help you choose before you finish your quote.
What if my trade isn't listed?
We're always reviewing the trades we cover. If yours isn't listed, reach out to us and we'll let you know whether we can offer coverage or when that may change.