Construction
Comprehensive insurance solutions for general contractors, specialty trades, and construction professionals.
Request a QuoteUnderstanding Your Risk Profile
Construction contractors and tradesmen face daily exposures including worksite injuries, property damage, equipment loss, and completed operations liability. Your business requires comprehensive coverage protecting against both immediate job site risks and long-tail liability claims.
Key Risk Exposures
Common risks and challenges facing businesses in this industry
Worksite Injuries
Falls, equipment accidents, and struck-by incidents are leading causes of construction worker injuries.
Tool and Equipment Theft
Valuable tools, equipment, and materials are frequently stolen from job sites and vehicles.
Property Damage
Accidental damage to customer property, adjacent structures, or underground utilities during work.
Completed Operations
Defective work discovered after project completion can result in costly repairs and litigation.
Vehicle Accidents
Work trucks, equipment haulers, and company vehicles involved in accidents while traveling to job sites.
Contract Requirements
General contractors and project owners often require specific insurance coverage and limits.
Recommended Coverage Solutions
Essential insurance coverages tailored for your industry
General Liability
Essential coverage for bodily injury, property damage, and completed operations claims from construction work.
Learn MoreWorkers Compensation
Required coverage protecting construction workers from workplace injuries and occupational diseases.
Learn MoreCommercial Auto
Covers work trucks, equipment haulers, and vehicles used for construction business operations.
Learn MoreCommercial Property
Protects your shop, warehouse, tools, equipment, and business property from theft and damage.
Learn MoreBuilders Risk
Project-specific coverage for buildings under construction protecting against damage during the build.
Learn MoreSurety & Fidelity Bonds
License bonds, contract bonds, and performance bonds required for construction projects.
Learn MoreCommon Claims & Exposures
Understanding what can go wrong helps you prepare better
Falls from Heights
Very CommonWorkers falling from ladders, scaffolding, or roofs resulting in serious injuries and workers comp claims.
Tool and Equipment Theft
Very CommonStolen tools, equipment, and materials from job sites, vehicles, or storage facilities.
Property Damage During Work
CommonAccidental damage to customer property, flooring, walls, or fixtures during construction activities.
Vehicle Accidents
CommonWork truck accidents, equipment hauler collisions, and company vehicle incidents.
Defective Workmanship Claims
CommonCustomers alleging poor quality work, code violations, or failure to meet specifications.
Underground Utility Damage
OccasionalAccidentally striking gas lines, water mains, or electrical cables during excavation work.
Frequently Asked Questions
Common questions about insurance for construction businesses
Related Articles & Insights
Learn more about protecting your business
Understanding Surety Bonds: What Every Contractor Needs to Know
A comprehensive breakdown of surety bonds, bid bonds, and performance bonds.
5 Common Workers Compensation Mistakes
Avoid these costly errors when managing your workers compensation policy.
How to File a Commercial Property Claim
Navigate the claims process smoothly with this detailed walkthrough.
Ready to Protect Your Business?
Let's discuss your specific coverage needs and build a customized insurance program for your business.