Specialized insurance products for unique situations, hobbies, and assets that standard policies don't cover.
Reliable protection for HVAC contractors, equipment, and installation projects.
Insurance coverage designed for electrical contractors and job site safety.
Protect your plumbing business from liability, repairs, and equipment risks.
Coverage built for roofing contractors handling residential and commercial jobs.
Keep your landscaping business protected with tailored outdoor contractor coverage.
Insurance solutions for framing contractors working on construction projects.
Flexible coverage for painting contractors, tools, and property protection.
Secure your concrete business with coverage for heavy work and job site risks.
Comprehensive insurance for masonry contractors and structural projects.
Protect pool installation businesses with reliable contractor insurance coverage.
Coverage for excavation contractors operating heavy machinery and equipment.
Tailored insurance for solar contractors and renewable energy installations.
Protect flooring contractors from installation risks and property damage claims.
Dependable coverage for drywall installation, repairs, and contractor operations.
Insurance solutions for tile contractors handling residential and commercial work.
Protect your stucco business with coverage built for exterior construction work.
Coverage designed for fencing contractors, crews, and installation projects.
Stay protected with waterproofing insurance for residential and commercial jobs.
Reliable coverage for irrigation systems, sprinkler installations, and repairs.
Insurance built for demolition contractors managing high-risk construction sites.
Every business faces risks, but the right commercial insurance helps you stay prepared.
✔ Third-party injury
✔ Multi-car & bundle savings
✔ Disability Benefits
✔ Medical Expenses
✔ Competitive Rates
✔ Customized Coverage
✔ Protection for goods in transit
✔ Flexibility
✔ Covers theft & damage
✔ Minimizes downtime
✔ In-progress structures
✔ Materials + soft costs
✔ Production liability claims
✔ Commercial auto liability claims
✔ Errors or omissions
✔ Breach of contract
EveryTrade Insurance is a contractor-focused commercial insurance agency founded by John Romero Sosa, a 17-year veteran of the commercial insurance industry. Built from the ground up to serve the trades, EveryTrade specializes exclusively in insurance and bond solutions for contractors, tradesmen, subcontractors, and construction-related businesses across California.
From general contractors and electricians to HVAC companies, roofers, landscapers, framers, painters, plumbers, concrete crews, pool contractors, solar installers, and specialty trades, we understand your business because we work with contractors every single day. When a GC asks for a certificate, we know what it needs to say. When a job requires a performance bond, we know how to move fast. That's the difference between a generalist agency and one that was built for the trades.
Based in the Coachella Valley and serving contractors throughout California, EveryTrade was built around one core belief: contractors deserve an agency that moves as fast as they do. That means same-day certificates of insurance, fast bond approvals, and a broker who picks up the phone, not a call center, not a portal, not a chatbot.
Our service is bilingual. Whether you prefer to work in English or Spanish, we're here for you.
Hablamos Español.
EveryTrade Insurance. "Insurance Built for Contractors "
I started EveryTrade Insurance because I was tired of policies being sold instead of explained. We treat every client like family — because that's how we'd want to be treated ourselves.
To make contractor insurance simple, reliable, and effective — protecting contractors, crews, equipment, and projects across every stage of the job.
Our experience helps you get the right coverage and bonds without unnecessary delays.
You get direct support from a broker who understands contractor insurance and is ready to help when you need it.
We specialize in serving contractors, subcontractors and construction-related businesses.
We focus on same-day certificate support and efficient bond approvals so your projects can keep moving.
We don't write personal auto or home. Every client is a contractor, sub, or trade business — that focus shows in every quote.
Need a COI for a job that starts tomorrow? Text us. Average turnaround under four hours during business days.
Bid, performance, license — we know the underwriters and how to package a clean submission.
Hablamos Español. Every policy, every certificate, every conversation — in the language you prefer.
We know what a class-code change does to your WC mod. We talk like contractors, not actuaries.
Every business faces risks, but the right insurance helps you stay prepared. It supports your people, property, vehicles and daily operations when challenges arise.
Stay compliant and protect your business with fast and reliable contractor license bond solutions.
Show project owners you’re serious with bid bond coverage designed for contractors.
Ensure projects are completed as promised with trusted performance bond protection.
Protect subcontractors and suppliers with dependable payment bond coverage.
Get the permits you need quickly with simple and affordable permit bond solutions.
Guarantee quality workmanship and protect completed projects with maintenance bonds.
Support land development projects with subdivision bond coverage tailored to your needs.
Don't just take our word for it. Real reviews from real clients who switched and saved.
We work with the most trusted names in insurance to find you the best rates and coverage.
