Government Contractors
Specialized bonding and insurance solutions for federal, state, and municipal contract work.
Request a QuoteUnderstanding Your Risk Profile
Government contractors face stringent bonding requirements, compliance obligations, and unique liability exposures. Your operations require specialized coverage meeting federal acquisition regulations (FAR) and state/local requirements while protecting against contract-specific risks.
Key Risk Exposures
Common risks and challenges facing businesses in this industry
Bonding Requirements
Miller Act and Little Miller Act requirements mandate performance and payment bonds for public projects.
Contract Compliance
Strict adherence to government specifications, prevailing wage laws, and regulatory requirements is mandatory.
Security Clearances
Classified work and secure facilities require additional insurance and security protocols.
Payment Delays
Government payment cycles and contract disputes can strain cash flow and project financing.
Bid Protests
Unsuccessful bidders may challenge contract awards, resulting in delays and legal costs.
Claims and Disputes
Contract disputes, change orders, and claims require specialized legal defense and resolution.
Recommended Coverage Solutions
Essential insurance coverages tailored for your industry
Surety & Fidelity Bonds
Bid bonds, performance bonds, and payment bonds required for federal, state, and local government contracts.
Learn MoreGeneral Liability
Comprehensive coverage meeting government contract requirements for bodily injury and property damage.
Learn MoreProfessional Liability
Errors and omissions coverage for design-build contracts and professional services to government agencies.
Learn MoreWorkers Compensation
Required coverage meeting federal and state requirements including Defense Base Act for overseas work.
Learn MoreCommercial Auto
Fleet coverage for vehicles used in government contract work with appropriate liability limits.
Learn MoreBuilders Risk
Project-specific coverage for government construction projects during the building phase.
Learn MoreCommon Claims & Exposures
Understanding what can go wrong helps you prepare better
Performance Bond Claims
OccasionalContractor default or failure to complete government projects according to contract specifications.
Payment Bond Claims
CommonUnpaid subcontractors or suppliers filing claims against payment bonds on public projects.
Prevailing Wage Violations
CommonClaims alleging failure to pay required prevailing wages on government-funded projects.
Contract Disputes
Very CommonDisagreements over change orders, specifications, or contract interpretation requiring legal resolution.
Security Breaches
RareUnauthorized access to secure facilities or classified information on government contracts.
Worksite Safety Violations
CommonOSHA violations and safety incidents on government job sites resulting in fines and claims.
Frequently Asked Questions
Common questions about insurance for government contractors businesses
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