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Construction Insurance

​No matter the size or scale of your business, we have a market to fit your specific need. From our years of experience in construction industry we can provide your business with the guidance you need to grow to the next level.    

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Construction Insurance Markets
Access to the leading construction insurance markets including:
  • The Cincinnati Insurance Company
  • Travelers 
  • Liberty Mutual
  • Acuity
  • Western National
  • USLI
  • Central
  • AM Trust
  • Builders Insurance Services
  • Chubb
  • Hartford
  • WCF 
  • 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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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

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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:

  • Flood

  • Earthquake

  • Directors & Officers 

  • Employment Practices

  • Fiduciary Liability

  • and more

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