{"id":9420,"date":"2025-11-30T11:30:00","date_gmt":"2025-11-30T19:30:00","guid":{"rendered":"https:\/\/www.businessinsuranceusa.com\/news\/?p=9420"},"modified":"2026-03-18T14:08:08","modified_gmt":"2026-03-18T21:08:08","slug":"low-risk-contractor-types-for-insurance","status":"publish","type":"post","link":"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/low-risk-contractor-types-for-insurance\/","title":{"rendered":"5 Contractors That Are Considered Low Risk"},"content":{"rendered":"\n<p class=\"yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><svg aria-hidden=\"true\" focusable=\"false\" data-icon=\"clock\" width=\"20\" height=\"20\" fill=\"none\" stroke=\"currentColor\" style=\"display:inline-block;vertical-align:-0.1em\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path><\/svg><\/span><span class=\"yoast-reading-time__spacer\" style=\"display:inline-block;width:1em\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time: <\/span><span class=\"yoast-reading-time__reading-time\">4<\/span><span class=\"yoast-reading-time__time-unit\"> minutes<\/span><\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-ai-summarize yoast-ai-summarize\"><h2>Key Takeaways<\/h2>\n<ul class=\"wp-block-list yoast-ai-summarize-list\">\n<li>Understanding low-risk contractors can help in qualifying for better insurance terms.<\/li>\n\n\n\n<li>Handyman services, interior painting, flooring installation, ground-level window cleaning, and residential cleaning are considered low-risk trades.<\/li>\n\n\n\n<li>These trades involve less hazardous work, shorter job cycles, and minimal equipment hazards.<\/li>\n\n\n\n<li>To remain a low-risk contractor, keep worksites clean, communicate effectively, and train your crew.<\/li>\n\n\n\n<li>Maintain adequate insurance coverage, even in low-risk jobs, to protect against unexpected claims.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>Have you ever sat across a table from an insurance underwriter? You know, the kind of person who views risk the way a seasoned carpenter views a warped board.<\/p>\n\n\n\n<p>Maybe you know the term \u201clow-risk contractor.\u201d<\/p>\n\n\n\n<p>Maybe you wonder if that label was a compliment or some other insurance term. Or if it impacts how much you pay.<\/p>\n\n\n\n<p>You\u2019re not alone. In my work, it\u2019s one of the most common questions I hear. It\u2019s a good one.<\/p>\n\n\n\n<p>Being viewed as lower risk could help you qualify for more favorable terms (or more carrier options), but pricing depends on your class codes, claims history, payroll, annual revenue, and underwriting rules.<\/p>\n\n\n\n<p>It doesn\u2019t mean no risk, of course. Construction will be one of the most hazardous undertakings. But some trades simply stack up far less frequently and with lower severity. Meaning the carrier expects lower frequency and\/or severity on average, but individual loss experience still varies by contractor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-handyman-services-light-duty\"><strong>1. Handyman Services (Light-Duty)<\/strong><\/h2>\n\n\n\n<p>Hold on, before all the handymen reading this get riled up. I get that the word &#8220;profession&#8221; can mean many things. Some handymen may work on riskier jobs.<\/p>\n\n\n\n<p>I\u2019m speaking about light-duty <a href=\"https:\/\/www.businessinsuranceusa.com\/news\/construction\/handyman-business-essentials\/\" target=\"_blank\" rel=\"noreferrer noopener\">handyman jobs<\/a> that involve small repairs.<\/p>\n\n\n\n<p>Compared with many trades, handyman services are low-risk.\u00a0<\/p>\n\n\n\n<p>Not the large, high things that make risk-averse people queasy. Not the heavy machinery on construction sites.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mounting TVs, hanging pictures, and basic drywall repair. That sort of thing.<\/li>\n\n\n\n<li>Reasons why handyman services are low risk:&nbsp;<\/li>\n\n\n\n<li>Quick jobs<\/li>\n\n\n\n<li>Smaller tools&nbsp;<\/li>\n\n\n\n<li>Not structural work<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Usually on the ground<\/li>\n\n\n\n<li>Less materials<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-painting-contractors-interior\"><strong>2. Painting Contractors (Interior)<\/strong><\/h2>\n\n\n\n<p>Painting. It\u2019s the unsung hero of construction. It covers the sins of remodelers past, transforms spaces, and requires a steady hand.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.businessinsuranceusa.com\/painting-contractor-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Painters<\/a> love to joke about the occasional spilled gallon and the universal struggle with ladder angles. Interior painting is often rated lower than exterior\/high\u2011rise painting. But it still has meaningful exposures, especially when the ladder is used.<\/p>\n\n\n\n<p>There was one time a painter I insured stepped backward into an open paint bucket. That was a mess. Funny even. But not a big claim.&nbsp;<\/p>\n\n\n\n<p>Why they\u2019re low risk:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Typically indoors<\/li>\n\n\n\n<li>No heavy lifts.&nbsp;<\/li>\n\n\n\n<li>No Power tools.&nbsp;<\/li>\n\n\n\n<li>Property damage is unlikely.&nbsp;<\/li>\n\n\n\n<li>Minimal risk to bystanders.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-flooring-installers-non-structural\"><strong>3. Flooring Installers (Non-Structural)<\/strong><\/h2>\n\n\n\n<p>I\u2019ve spent time on flooring job sites, and they\u2019re more relaxed. Planks locking into place, the whir of a shop vacuum, maybe a saw buzzing in the background.<\/p>\n\n\n\n<p>&nbsp;It could be <a href=\"https:\/\/www.businessinsuranceusa.com\/news\/insurance\/high-risk-insurance-for-small-businesses\/\" target=\"_blank\" rel=\"noreferrer noopener\">considered higher risk<\/a> than painting. Sure.<\/p>\n\n\n\n<p>But there are no deafeningly loud machines. There\u2019s very little working at height (I mean\u2026 it&#8217;s flooring), and it\u2019s usually a neat work environment.<\/p>\n\n\n\n<p>Reasons why they\u2019re low risk:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The work is done on the ground.<\/li>\n\n\n\n<li>Jobsites are kept tidy.<\/li>\n\n\n\n<li>Less interaction with electricity.<\/li>\n\n\n\n<li>Tools are light.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-window-cleaning-ground-level-or-one-story-nbsp\"><strong>4. Window Cleaning (Ground-Level or One-Story)&nbsp;<\/strong><\/h2>\n\n\n\n<p>Ground-level or one-story buildings are very rarely high-exposure for the insurance company.<\/p>\n\n\n\n<p>Conditions are known and predictable. The workers are not that high off the ground. That translates to a lower risk.<\/p>\n\n\n\n<p>Why they\u2019re low risk:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No heavy equipment&nbsp;<\/li>\n\n\n\n<li>Low risk of property damage&nbsp;<\/li>\n\n\n\n<li>Shorter job cycles&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-residential-cleaners-janitorial-contractors-nbsp\"><strong>5. Residential Cleaners \/ Janitorial Contractors&nbsp;<\/strong><\/h2>\n\n\n\n<p>Cleaning is typically less severe than many construction trades, but exposures still include <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/slip-and-fall-accident\/\" target=\"_blank\" rel=\"noreferrer noopener\">slip-and-fall<\/a> incidents, chemical irritation\/burns, and accidental property damage.<\/p>\n\n\n\n<p>Residential cleaners work in closed environments with established routines.<\/p>\n\n\n\n<p>It\u2019s predictable work that needs attention, but not the <a href=\"https:\/\/www.businessinsuranceusa.com\/news\/commercial-general-liability\/roofers-are-considered-high-risk-by-insurance-companies\/\" target=\"_blank\" rel=\"noreferrer noopener\">type of high-risk exposure<\/a> that some other industries face.<\/p>\n\n\n\n<p>Why they\u2019re low risk:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Soft materials&nbsp;<\/li>\n\n\n\n<li>Non-destructive tools&nbsp;<\/li>\n\n\n\n<li>Predictable work&nbsp;<\/li>\n\n\n\n<li>No structural modification&nbsp;<\/li>\n\n\n\n<li>Low equipment hazard&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-remain-a-low-risk-contractor\"><strong>Remain a Low Risk Contractor<\/strong><\/h2>\n\n\n\n<p>Being in a safer trade doesn\u2019t mean you&#8217;re free of problems.\u00a0<\/p>\n\n\n\n<p>Here\u2019s my best advice to you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keep the worksite clean.<\/li>\n\n\n\n<li>Stay in touch with the customer. Most claims start with miscommunication.<\/li>\n\n\n\n<li>Record, record, record. A picture really does \u201csay a thousand words.\u201d<\/li>\n\n\n\n<li>Train your crew.<\/li>\n\n\n\n<li>Carry the <a href=\"https:\/\/www.businessinsuranceusa.com\/news\/uncategorized\/obtaining-business-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">proper insurance<\/a>. Just because you don\u2019t have a claim every year doesn\u2019t mean you should get rid of it.<\/li>\n<\/ul>\n\n\n\n<p>Remaining low means stacking the right habits over time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-low-risk-high-risk-we-have-all-the-markets-to-shop-around\"><strong>Low Risk, High Risk. We Have All the Markets to Shop Around<\/strong><\/h2>\n\n\n\n<p>We insure contractors in all 50 states, and we know high-risk vs. low-risk like the back of our hand.\u00a0<\/p>\n\n\n\n<p>We have policies built around the work you actually do, and we have helped thousands of contractors just like you protect what matters most with the right coverage for their trade.<\/p>\n\n\n\n<p>&nbsp;When you\u2019re ready for insurance that\u2019s an asset, not an anchor, we\u2019re here to help.<\/p>\n\n\n\n<ul class=\"wp-block-yoast-seo-related-links yoast-seo-related-links\"><\/ul>\n\n\n\n<ul class=\"wp-block-yoast-seo-related-links yoast-seo-related-links\">\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/buying-business-insurance-guide\/\">Buying Business Insurance: A Guide for Various Industries and Locations<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/average-salary-for-contractors\/\">Average Salary for Contractors<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/slip-and-fall-accident\/\">What&#8217;s a Slip and Fall Accident?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/multi-contractor-lawsuit-insurance-guide\/\">When One Mistake Sinks the Ship: What Happens When Multiple Trade Contractors Get Sued\u2014and Why Insurance Isn\u2019t Optional<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/retail-workers-comp-claims-guide\/\">How Retail Store Owners Can Protect Against Workers\u2019 Comp Claims<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever sat across a table from an insurance underwriter? You know, the kind&#8230;<\/p>\n","protected":false},"author":10,"featured_media":9425,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[737],"tags":[48],"class_list":{"0":"post-9420","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-insurance","8":"tag-business-insurance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5 Contractors That Are Considered Low Risk<\/title>\n<meta name=\"description\" content=\"Discover five contractor trades insurers consider low risk and learn how this classification can lower premiums and strengthen your bids\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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