Health and Disability Insurance
for People Who Work
for Themselves.
You're the business. When you're out — sick, injured, recovering — the jobs stop. The invoices stop. But the bills don't.
Most insurance products are built for desk workers with employer benefits. When you're a tree trimmer, roofer, or HVAC tech working for yourself, the standard options either don't cover your trade, cost too much, or come with so many exclusions they're basically useless when you need them most.
You deserve coverage that actually works for the life you lead.
1 in 4
workers become disabled before retirement
72%
of self-employed have no disability coverage
$52K
average medical debt after a serious injury with no coverage
We know your trade.
We know your risk.
Working Hands Coverage agents specialize in health and disability insurance for the trades. We don't sell you a generic policy and send you on your way — we learn how you work, what you earn, and what could put you out of business, then match you to plans that actually cover it.
Health Insurance
ACA marketplace plans, short-term coverage, and group alternatives — matched to your income and family situation.
Disability Income
Short-term and long-term disability policies that replace your income when injury or illness keeps you off the job.
Family Coverage
Protect your household, not just yourself. We find plans that cover your spouse and kids without breaking the budget.
Life Insurance
Term and whole life policies to protect your family if the worst happens. Currently available in Texas and Georgia.
Coverage in 3 straightforward steps
Tell us about your work
Fill out a short form or give us a call. We ask about your trade, your average monthly income, whether you have employees, and what coverage you have now (if any).
We find your options
A Working Hands agent shops plans from top carriers — no spam, no pressure. We lay out your real options with plain-English explanations of what each covers and what it costs.
Get covered and get back to work
Choose your plan, complete enrollment, and you're protected. We stick around for renewals, questions, and claims — you're not on your own after you sign up.
No obligation. No credit card. Takes about 3 minutes.
Built for people who work with their hands
If you run your own operation or work solo in the trades, Working Hands Coverage has options for you.
Tree Service
Roofing
HVAC
Landscaping
Plumbing
Electrical
Carpentry
General Contractors
Don't see your trade listed? We cover dozens more. Ask us about your specific situation.
People like you, finally covered
"I've been cutting trees for 12 years. Never had real health insurance because every policy I looked at was confusing and way too expensive. Working Hands Coverage found me a plan that actually fits what I make in a year."
Marcus T.
Owner, tree service — Tennessee
"Hurt my back on a roofing job last spring. Because I had short-term disability through Working Hands Coverage, I got checks coming in for six weeks while I recovered. Without it I would have lost everything."
Dana R.
Independent roofer — Ohio
"I run a two-man HVAC company. The agent actually called me back same day and spent an hour explaining my options. I felt like a person, not just a policy number. Great coverage, fair price."
James K.
HVAC contractor — Georgia
Get covered.
Keep working.
Tell us about your trade and we'll find health and disability coverage that fits your income and your life — without the insurance-company runaround.