Construction Insurance for Contractors
Why Contractors Need Construction Insurance
In the bustling world of construction, unexpected incidents can happen at any time. Whether it's an accident on the job site, property damage, or unforeseen delays, the stakes are high when it comes to completing projects on time and within budget. This is where construction insurance comes into play. It provides a safety net that protects contractors from financial loss and legal liabilities, ensuring that your business can continue to thrive even in the face of adversity.
Mitigate Financial Risks
Construction projects often involve significant investments, and even a minor setback can result in substantial financial losses. Insurance helps mitigate these risks by covering costs associated with accidents, property damage, theft, and other unforeseen events. With the right insurance policy, you can safeguard your investments and maintain financial stability.
Legal Compliance
In many regions, having construction insurance is a legal requirement. Contractors must adhere to local laws and regulations to operate their business. Failing to have the necessary insurance coverage can result in fines, legal penalties, and even the suspension of your business operations.
Protect Your Workforce
Your employees are your most valuable asset. Construction insurance includes workers' compensation, which covers medical expenses and lost wages for employees who are injured on the job. This not only ensures that your workers receive the care they need but also protects your business from potential lawsuits related to workplace injuries.
Our Experience in Construction Insurance
With years of experience working with a diverse range of contractors, we understand the unique challenges and risks associated with the construction industry. Our team is dedicated to finding the most suitable insurance options to meet your specific needs.
Tailored Insurance Solutions
No two construction projects are the same, and neither are the insurance needs of contractors. We offer customized insurance solutions that are tailored to your business, whether you specialize in residential construction, commercial projects, infrastructure development, or any other area. Our goal is to provide comprehensive coverage that addresses all aspects of your operations.
Broad Range of Coverage Options
We work with numerous insurance providers to offer a wide range of coverage options, including:
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General Liability Insurance
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Workers' Compensation
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Commercial Auto Insurance
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Builder's Risk Insurance
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Professional Liability Insurance
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Equipment and Tool Insurance
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Surety Bonds
Why Choose Us?
Proven Track Record
Our extensive experience in the construction insurance industry has earned us a reputation for reliability and excellence. We have successfully assisted numerous contractors in securing the coverage they need to protect their businesses and achieve their goals.
Guidance
Navigating the complexities of insurance can be daunting, but our team is here to help. We provide guidance and support throughout the entire process, from assessing your risks and selecting the right policies to managing claims and ensuring compliance with legal requirements.
Customer-Centric Approach
We prioritize our clients' needs and strive to build long-lasting relationships based on trust and transparency. Our customer-centric approach means that we are always available to answer your questions, address your concerns, and provide the personalized service you deserve.
Get Started Today
Don't leave your business vulnerable to risks and uncertainties. Contact us today to learn more about our construction insurance solutions and how we can help you protect your business. Let us provide the peace of mind you need to focus on what you do best – building the future.

Construction Insurance Markets
Access to the leading construction insurance markets including:
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The Cincinnati Insurance Company
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Selective Insurance
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Central Insurance
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Auto Owners Insurance
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Travelers
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Liberty Mutual
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Acuity
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Western National
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USLI
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Central
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AM Trust
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Builders Insurance Services
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Chubb
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Hartford
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WCF
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and More
Risk Transfer Guidance
Risk Transfer is an important aspect of the Construction Industry. Contractors often hire subcontractors skilled in a particular trade but doing so can also make the contractor legally liable for injury or damage caused by the sub's work.
The contractor is responsible for the job site safety of their own employees, of their sub's employees and of visitors. Having proper risk transfer in place can benefit your business by protecting your assets, preserving your limits of insurance and controlling the cost of your insurance.
We have access to many construction insurance companies that can offer examples with guidance on developing proper risk transfer.
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PROACTIVE SURETY SERVICES
Our professional surety bond department is dedicated to guiding you through the bonding process. Our goal is to establish and foster a great relationship between your business and a surety company. As a surety professional we offer sound business advice and technical expertise to nurture and grow a surety program tailored to your needs.
There are several types of contract surety programs available. Depending on the size of the job, the contract conditions, and your business's financial strength, we can approach several markets and find one that fits your needs.
Contractor Insurance May Include

Building and Business Personal Property
Coverage for Buildings and Business Personal Property (Contents) are usually scheduled to a Property or Business Owners Policy.
A Business Owners Policy combines a Property and General Liability Policy into one. These Business Owners Policies or BOPs can fit many small businesses and offer coverage enhancements that typically have to be added to a standalone Property or General Liability Policy.
General Liability
The Commercial General Liability policy provides insurance protection needed to pay damages for bodily injury or property damages for which you are legally responsible. The policy also covers accidents occurring on the premises or away from the premises.
There are 2 Commercial General Liability coverage forms , Occurrence and Claims-made. The main difference is the way the claims are handled:
The Occurrence form covers bodily injury or property damage claims that occur during the policy term, regardless of when the claim is reported.
The Claims-made policy form only covers claims made against the insured during the policy term. A claim made after the policy expires is not covered by a claims-made policy unless the claim is covered by an extended reporting period.
Workers Compensation
Part 1 of the Workers Compensation or Workers Comp policy covers employees benefits if they are injured or become ill from their employment.
These benefits may include:
Medical Care / Treatment
Lost Wages
Disability Benefits
Part 2 of the Workers Comp policy provides Employers Liability. This insurance coverage provides liability coverage for legal costs from an employee or family member bring suit against the business for a on the job injury or illness.
Business Income & Extra Expense Insurance
Property insurance covering the loss of income or extra expense suffered by a business when there is damage to the business premises from a covered cause of loss.
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Builders Risk Policies
A Builders Risk is designed to provide coverage for direct loss or damage from covered causes of loss to buildings and structures under construction. This applies to new construction as well as renovations or remodeling to existing buildings.
No matter the size or scale of your construction project, we have a market to fit your specific need.
Commercial Auto
The Commercial or Business Auto policy provides protection against legal liability arising out of the ownership, maintenance, or use of any insured automobile. You can also add coverage for the Physical Damage of the vehicle.
Professional Liability
Insurance against liability resulting from errors and omissions in performing professional services.
Cyber Insurance
Insurance designed to cover either or both the liability and or property losses from a cyber event or attack.
Pollution Insurance
Liability insurance needed for costs related to pollution on claims for bodily injury, property damage, and cleanup costs on a job site.
Inland Marine Insurance
Property insurance for certain types of movable property over land . Property can include equipment. Equipment can be scheduled or unscheduled depending on the size and program.
Other Insurance
There are many other types of insurance depending on your exposures. These types include but are not limited to:
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Flood
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Earthquake
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Directors & Officers
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Employment Practices
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Fiduciary Liability
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and more