Hiscox is a direct online insurer that's been in the business for over 100 years. In the US it sells general liability and professional liability aimed at one-person and micro contractor operations, with monthly payment plans instead of one annual hit.
It's built for the lighter trades. Hiscox declines many high-hazard trades, roofing included, so if your work keeps you high off the ground, you'll likely need a specialist market instead.
Solo operators and micro shops in lighter trades who want direct online coverage; roofers and other high-hazard trades will get declined.
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