Contractors
This playbook is your go-to resource for understanding the unique coverage needs of contractors — from everyday job site risks to specialized protections that support construction and trade operations.
The following playbook is intended to provide guidance on Merchants’ appetite and most desired risk characteristics. Your Merchants team is available to speak about the entirety of a risk that may have characteristics not exactly fitting our desirability.
We also encourage you to refer to Merchants Appetite Guide under the Resources/Tools menu of the Commercial Gateway in Merchants agent portal website for class-specific eligibility.
Description of Operations
The Contractors category covers a diverse range of skilled trades and construction professionals who provide installation, repair, and maintenance services for residential, commercial, and industrial clients. These experts bring technical knowledge, specialized tools, and hands-on experience to projects such as building systems, structural work, outdoor spaces, and essential infrastructure. From HVAC technicians ensuring climate control, to electricians powering homes and businesses, to plumbers maintaining water and gas systems, contractors deliver solutions that keep properties safe, functional, and efficient.
While many contractors focus on a single trade, others offer multiple related services or work as part of larger construction teams. Projects may involve new construction, renovations, or ongoing maintenance, often requiring compliance with building codes, licensing requirements, and safety standards. Whether shaping landscapes, erecting structural frameworks, or installing critical utilities, contractors combine craftsmanship with practical problem-solving to meet client needs and ensure the longevity and performance of the work they perform.
