Construction insurance built for the way you build
Jobsite injuries, a sub whose coverage lapsed, a fire on a project you thought the owner insured — construction risk is unlike what a standard business policy handles. We design contractor programs that meet contract requirements, protect your Experience Mod and keep you bidding.
Same-day certificates · Subcontractor certificate tracking · Free coverage review
See the program your operation needs
Tell us how you work and we'll show the coverages to prioritize. $1M per occurrence / $2M aggregate general liability is a common baseline; larger contracts usually add an umbrella. A broker confirms the specifics.
Your operation
Select everything that applies.
Coverage that typically applies
4 coverages — a starting point for a conversation, not a quote.
- General Liability + Completed OperationsJobsite and post-completion bodily injury and property damage — the core of every contractor program.
- Commercial Auto (fleet)Trucks, vans and trailers, plus hired and non-owned for employees driving their own vehicles.
- Workers' CompensationMandatory for employees, with Experience Mod management to control the cost.
- Subcontractor Risk Transfer + Additional InsuredWritten agreements, additional insured (ongoing and completed ops) and COI tracking to push risk back to subs.
Gaps we check on every contractor review
Subcontractor coverage gaps
A sub whose workers' comp has lapsed can make you the statutory employer. Verify COIs and ongoing coverage, not just a snapshot at hire.
Completed-operations tail
Defects surface years after the job. Keep GL continuous; canceling after completion leaves those claims uninsured.
Builders risk on every project
Confirm in writing that the owner carries it, or carry your own.
Experience Mod drives your cost
A single serious claim can raise your mod, and your premium, for three years.
Wrap-ups and prevailing wage
OCIP/CCIP and public-works rules change what's covered. Confirm exactly what the owner's policy includes.
Height and roofing restrictions
Many standard carriers limit or decline roofing and work at height; specialty markets are needed.
Pollution is excluded by GL
Demolition, excavation and lead or asbestos work need contractor's pollution coverage.
Design vs. means and methods
GL covers construction, not design errors. Design-build work needs E&O to close that gap.
One gap, millions on the line
Three illustrative construction losses, and how the right coverage responds.
A sub's workers' comp had lapsed
A GC hired a framing sub who showed a certificate of insurance. Six months later a worker fell from scaffolding with a permanent disability — and the sub's workers' comp had lapsed three months earlier. The GC was held liable as the statutory employer.
- Medical and permanent disability$1,800,000
- Legal defense$320,000
- OSHA fines$85,000
- Experience Mod increase (3 years)$195,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
The coverages behind a bid-ready program
Construction insurance is several policies working together. Each entry notes the gap contractors most often miss.
General Liability & Completed Operations
Third-party bodily injury and property damage from your jobsite operations and, through completed operations, from finished work. Gap: canceling GL when a project closes leaves later claims uninsured; confirm additional insureds extend to completed ops.
Workers' Compensation
Medical costs and lost wages for injured employees, legally required, and the biggest lever on cost through your Experience Modification factor. Gap: one serious claim can raise the mod for three years; claims management, return-to-work and safety consultation protect it.
Builders Risk
Insures a structure while it's built or renovated — work in place, materials and soft costs against fire, wind, theft and water. Gap: get the owner's coverage in writing, or carry your own.
Tools & Equipment
Inland marine for tools, equipment and materials on the jobsite, in transit or stored off-premises, plus an installation floater. Gap: your property policy largely stops at the yard, and tool theft is one of the most common contractor losses.
Commercial Umbrella
Adds limits, commonly $2M to $25M+, above GL, auto and employer's liability. Gap: larger owners and public works often require umbrella limits to bid; the right layering matters as much as the limit.
Surety Bonds
Bid, performance and payment bonds guarantee contractual obligations on public works and larger commercial contracts. Gap: bonds are credit, and you indemnify the surety; building the relationship early is what expands capacity.
From one-truck specialty trades to commercial builders
If you build it, we can insure it. Trades with their own pages are linked in Related coverage below.
Structural
- General contractors
- Roofing contractors
- Concrete contractors
- Framing contractors
- Steel and structural
Mechanical
- Electrical contractors
- Plumbing contractors
- HVAC contractors
- Fire protection / sprinkler
- Solar installation
Finishes
- Drywall
- Painting
- Flooring
- Tile and stone
- Cabinet and millwork
- Insulation
- Siding and exteriors
- Window and door installation
- Waterproofing and restoration
Site and specialty
- Demolition
- Excavating and grading
- Landscaping and hardscaping
- Fencing
- Pool and spa
Construction has been our focus since 1992
We know prevailing wage, wrap-ups, Experience Mods and the specialty markets that write the trades others decline.
Construction specialists
We understand your operations, your contracts and the coverage you actually need.
Experience Mod reduction
Safety programs and claims management that lower your workers' comp mod — often saving five to six figures a year.
Same-day certificates
COIs with additional insured, waiver of subrogation and primary and non-contributory language.
Subcontractor tracking
Certificate management that monitors sub coverage through the whole project.
Contract review
We read owner contracts and indemnification clauses so coverage meets requirements before you sign.
Difficult trades and claims
Specialty-market access for roofing, demolition, steel and excavation, and claims advocacy that protects your mod.
Get your construction insurance quote
Request a review that flags coverage gaps, cost-reduction opportunities and the right protection for your operation, whatever your size or specialty.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. The construction profiler is a starting point for discussion, not a coverage determination. Scenarios, dollar figures and suggested limits are illustrative examples, not representations about any business. Coverage, limits, endorsements and eligibility vary by carrier, contracts and state, are governed by the terms, conditions and exclusions of the policies issued, and are subject to underwriting.