Built-to-spec
group health for
skilled trades crews.
Specified for HVAC, electrical, mechanical, and construction employers. Plans architected around your crew size, seasonal cadence, and owner-included coverage.
Why skilled trades owners
specify group coverage.
Real health insurance - not stipends - pays for doctor visits, prescriptions, and hospital stays for your crew and their families. Below is what owners gain when they move to a real group plan.
Retain your best technicians
Benefits are one of the strongest levers a trades employer has against competitors poaching skilled crew.
SHOP credits & Section 125
Federal SHOP tax credits and pre-tax payroll deductions, where your business qualifies.
Owner-included coverage
Your family covered through the business, premiums typically deductible.
Level-funded stability
Level-funded options for monthly stability with refund potential in a healthy plan year.
Skilled trades business
configurations we cover.
Residential Service
Home service and repair crews across HVAC, electrical, and general trades.
Commercial & Industrial
Office buildings, retail spaces, and light industrial contracts.
Electrical Contractors
Residential and commercial electrical crews.
New Construction Trades
Pre-build install crews across HVAC, electrical, and mechanical scopes.
Multi-Trade Mechanical
HVAC + electrical + sheet metal shops running combined crews.
Implementation process.
Tell us about your company configuration and headcount.
We architect a group plan built to your specifications.
An advisor calls to walk through your options; enrollment timelines vary by carrier and plan type.
Illustrative examples.
Composite, illustrative examples of how skilled trades employers - from small crews to larger mechanical contractors - might structure group coverage for their techs and owner families. These are not actual customers or verified testimonials; names are first-name only and details are representative, not guaranteed.
Marcus
"We were losing apprentices to bigger shops with benefits. Adding a level-funded plan with dental helped us make a real case for staying."
Linda
"Moving from a stipend to a real group plan was easier than I expected. UseCoverage walked me through SHOP credits I didn't know I qualified for."
Ahmad
"Best part is my own family is on it now, through the business, with premiums that are typically tax-deductible."
Request a free group quote.
Tell us about your skilled trades company. A specialist will call you back with a built-to-spec proposal.
