Profession Index · United States · 2026
Insurance by profession
Find out exactly what insurance your business needs, what it costs, and which carriers serve your trade — with state-specific requirements included.
01
Trades & Contractors
Appliance Repair Technician
medium risk
Carpenter
high risk
Carpet Installer
medium risk
Concrete Contractor
high risk
Construction Laborer
high risk
Demolition Contractor
very-high risk
Electrician
very-high risk
Electronics Repair Technician
low risk
Excavation Contractor
very-high risk
Fencing Contractor
medium risk
Flooring Installer
medium risk
General Contractor
very-high risk
HVAC Technician
high risk
Handyman
medium risk
Landscaper
medium risk
Mason / Bricklayer
high risk
Painter
high risk
Plumber
high risk
Pressure Washing
medium risk
Roofer
very-high risk
Tree Service
very-high risk
Welder
high risk
02
Freelance & Creative
03
Food & Beverage
04
Health & Wellness
Acupuncturist
medium risk
Chiropractor
medium risk
Doula
medium risk
Esthetician
low risk
Fitness Instructor
medium risk
Home Health Aide
medium risk
Massage Therapist
medium risk
Mental Health Counselor
low risk
Nail Technician
low risk
Nutritionist
low risk
Occupational Therapist (Freelance)
medium risk
Personal Trainer
medium risk
Speech Therapist (Freelance)
low risk
Wellness Coach
low risk
Yoga Instructor
medium risk
05
Professional Services
06
Pet Services
07
Cleaning & Maintenance
08
Transportation & Delivery
09
Retail & E-commerce
10