Trades &
Contractors
Comprehensive packaged coverage for contractors and subcontractors across all trades. From electricians to heavy civil — bundled GL, commercial auto, equipment, and tools coverage tailored to your specific trade and project scope.
The AI / Modern Angle
Modern contractors increasingly rely on AI-powered estimation tools, laser scanning, robotic total stations, and automated equipment to improve efficiency and safety. But these technologies create new liability considerations — from autonomous equipment accidents to estimation software errors that lead to underbidding. Our contractors package incorporates wearable safety analytics, fleet telematics integration, and AI-powered claims prediction to offer better rates for contractors who invest in modern safety technology. The better your safety tech, the better your premium.
Core Coverage Points
General Liability
Bodily injury and property damage coverage for your operations, products, and completed work — including technology-assisted construction.
Commercial Auto
Fleet coverage for work trucks, vans, and specialty construction vehicles — with telematics discounts for GPS-tracked fleets.
Tools & Equipment
Inland marine coverage for tools, equipment, and materials — on site, in transit, and in storage.
Workers' Compensation
State-compliant workers' comp with AI-driven safety programs that reduce incident rates and lower experience modification factors.
Better Safety Tech =
Better Premiums
We reward contractors who invest in modern safety technology. Wearable proximity sensors, fleet telematics, drone inspections, and AI safety analytics all translate into measurable premium reductions through our tech-forward underwriting model.
Whether you're a one-person specialty trade or a 200-employee general contractor, we build packages that scale with your business and reward your commitment to safety innovation.
"After implementing wearable safety sensors from Ocean Falls' recommended partner, our incident rate dropped 40% and our premium dropped 25%. That's a win-win we never expected from an insurance company."