What each scope adds to the insurance
Every company files general liability and workers’ compensation, whatever its trade, and a policy that lapses has 30 days to come back into force. On top of that pair, each trade files the credential its own work turns on — where its own work turns on one.
| Scope | What the trade adds |
|---|---|
| HVAC | EPA 608 certification |
| Electrical | Electrical contractor license |
| Painting | None — no state issues one |