Why choose IOA for trade contractor insurance?
At IOA, we provide more than policies—we deliver strategies that safeguard your business. Our nationwide team of contractor specialists works with clients across all licensed trades, offering personalized solutions for your unique needs.
Tailored risk management solutions
We understand the challenges trade contractors face and provide specialized support, including:
- RiskScore evaluations to assess and improve your risk profile
- Contract reviews to ensure proper risk transfer and compliance
- Online tools like certificate management portals and learning management systems for safety, HR, and compliance training
Claims advocacy and monitoring
Our dedicated claims advocacy team provides hands-on support to help you manage claims effectively and reduce costs, including:
- Real-time access to claims data through the IOA client portal
- Experience modifier recovery analysis to help lower workers compensation premiums.
- Root cause analysis and claims review to secure accurate reimbursements.
Expertise across all licensed trades
Our team has deep knowledge of licensing requirements, insurance mandates, and contract compliance for the service, construction, residential, commercial, and industrial sectors. This expertise allows us to tailor solutions that meet each contractor’s unique needs.
Our trade contractor coverage
Plumbing, heating, and AC contractors
Electrical contractors
Site preparation contractors
Roofing contractors
Masonry and concrete contractors
Specialty trade contractors
Poured concrete and infrastructure contractors
Our trade contractor products
IOA offers a comprehensive range of insurance products designed to protect trade contractors from every angle.
General liability
General liability insurance covers bodily injury, property damage, and personal injury claims arising from business operations.
Workers compensation
Workers compensation insurance covers employee medical expenses and lost wages resulting from work-related injuries or illnesses.
Commercial auto
Commercial auto insurance offers protection for business-owned vehicles, covering liability, physical damage, and risks unique to commercial transportation.
Commercial property
Commercial property insurance safeguards physical assets, including buildings, equipment, and inventory, against risks like fire, theft, and some natural disasters.
Commercial umbrella
Commercial umbrella insurance extends the coverage limits of primary policies, offering an additional layer of protection against large claims.
Alternative risk financing
Alternative risk financing offers customized solutions like captives and self-insurance to help businesses manage unique or complex risks.
CCIPs and OCIPs
CCIPs and OCIPs (contractor and owner-controlled insurance programs) offer streamlined, centralized insurance coverage for construction projects, reducing costs and gaps.
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