Trade work carries the highest physical-liability profile in the gig economy: you work in other people's homes, with tools, often with a work vehicle. Many states and municipalities also impose licensing and insurance requirements on specific trades — requirements this site does not evaluate, and which vary enough that checking your state's rules is essential.
Educational guide, last reviewed July 30, 2026. Not insurance advice. See the GigCoverCalc methodology for how benchmark ranges are compiled, and consult a licensed insurance professional before making coverage decisions.