Contractor Insurance for Artisan and Service Trades

Contractors don’t have time to chase down paperwork or wait on vague answers. At Refine Risk, we serve artisan and service contractors across New York City, Westchester County, and Fairfield County with fast, clear insurance designed to keep jobs moving in dense, high-demand areas like Brooklyn, Manhattan, White Plains, and Stamford.

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Coverage For All Types of Contractors & Home Repair Industries

From business auto and workers comp to loss control and rapid COI delivery, we help you stay compliant, protected, and ready to go, whether you're wiring a Brooklyn brownstone or managing a landscaping crew in Greenwich.

Carpentry

Robust coverage for carpenters and other artisan contractors

Electricians

Custom insurance coverage for residential and commercial electricians

Roofers

If you're a roofer, having the correct business insurance is critical

Carpet & Flooring

Top notch business insurance for carpet and flooring contractors

Painters

Robust business insurance for residential and commercial painters

Plumbers & HVAC

We specialize in business coverage for plumbers and HVAC contractors

Excavation

We help excavation contractors protect their businesses faster

Commercial Builders

Custom insurance packages for larger commercial home builders

General Remodeling

Business insurance for home remodeling and house-flippers

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How We Protect Contractors

Whether you’re rewiring a Manhattan high-rise, restoring a colonial in Westport, or doing daily service calls in Yonkers, we tailor your coverage to your trade, territory, and timeline.

General Liability

Work Comp

Commercial Auto

Equipment Breakdown

Commercial Property

Commercial Umbrella

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