General contractor insurance to build and bid with confidence
From job-site injuries and subcontractor gaps to completed-operations claims and builders-risk exposure, we build programs for residential and commercial general contractors across the Pacific Northwest.
A+ rated carriers · Same-day certificates · Bonding and sub-tracking support
Responsibility for the whole project
General contractor insurance protects your construction business from the risks of building projects, employee injuries and liability claims. According to OSHA, construction is among the most hazardous industries, and as the general contractor you carry responsibility for your crews, your subs and the project itself. Whether you build residential or commercial, we put together the specialized program you need to bid with confidence.
How one construction exposure escalates
Three illustrative examples, and the coverage that responds to each.
A sub let their workers' comp lapse
An electrical sub's employee falls through an unguarded opening on your commercial project, suffering severe head trauma and permanent disability. Investigation shows the sub let their workers' comp lapse two months earlier. As GC, you're held liable, and L&I pursues your company for the full amount plus penalties.
- Medical$580,000
- Lost wages and disability$920,000
- Pain and suffering$600,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your operation
Tell us how your construction business runs and we'll show the coverages that typically apply. Every GC starts with a liability, completed-operations and tools core. A starting point for your quote, no contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
7 coverages — a starting point for a conversation, not a quote.
- General LiabilityFoundational third-party protection for every GC.
- Completed OperationsDefect and workmanship claims after the job is done.
- Inland Marine / ToolsTools, equipment and machinery on site or in transit.
- Workers' CompensationRequired once you have W-2 crew.
- Commercial AutoLiability and physical damage for trucks and haulers.
- Commercial UmbrellaExtra limits above your primary policies.
- Contingent & Sub ProtectionGuards against gaps from uninsured subs.
From first call to certificate
Understand your operation
Residential or commercial, self-perform or subcontracted, project sizes, payroll, vehicles and public-works work, plus a Washington L&I class-code review, so the program matches your real exposures rather than a generic contractor template.
Go to construction markets
We take your submission to carriers that want the class: A-rated admitted markets plus specialty and regional construction carriers, including options for higher-hazard trades and new or challenged ventures.
Build the program
General liability, workers' comp, builders risk, commercial auto, umbrella, completed operations and bonds at contract-ready limits, with additional-insured and primary wording structured correctly and flexible payment options.
Certificates and service
Same-day certificates for new jobs with the right endorsements, waivers of subrogation, subcontractor certificate tracking, claims support from first notice, and a direct line to an advisor who knows construction schedules.
Every policy a GC program may need
Filter by type or search to see the range of coverage we place for general contractors.
General Liability
$1M–$2M per occurrence for bodily injury, property damage, completed operations and legal defense — the foundation of GC protection.
Completed Operations
Ten-year protection for defects and workmanship issues discovered after project completion.
Commercial Umbrella
$1M–$10M of additional liability above your primary policies for claims that exceed standard limits.
Pollution Liability
Environmental contamination, soil disturbance, asbestos, lead paint and mold — increasingly required on remodel and commercial work.
Professional Liability / E&O
For design-build contractors facing claims of design errors, plan mistakes and professional negligence in specs.
Commercial Auto
Liability, collision and comprehensive for trucks, vans and equipment haulers, plus tools and materials in transit.
Inland Marine / Tools
Tools, equipment and machinery against theft, damage and mysterious disappearance — at job sites, in vehicles or at your shop.
Builders Risk
Project-specific coverage for buildings under construction against fire, theft, vandalism, weather and materials losses.
Installation Floater
Materials and supplies from delivery through installation completion.
Workers' Compensation
Mandatory coverage for employee injuries, medical expenses, lost wages and disability, with employer's liability.
Contractor Bonds
Bid, performance and payment bonds required for public works, commercial projects and government contracts.
Business Interruption
Lost income if operations are disrupted by a covered event, keeping payroll and overhead current during recovery.
Specialists who speak construction
Construction specialists
Since 1992 we've insured Pacific Northwest contractors. We understand construction risk, Washington L&I, prevailing-wage and public-works projects, and OSHA requirements.
Same-day COIs and sub tracking
Same-day certificates with additional-insured endorsements, waivers of subrogation and primary-coverage language, plus tracking of your subcontractors' certificates so gaps don't fall back on you.
Bonding and claims advocacy
Direct surety relationships for bid, performance and payment bonds help you qualify for larger and public-works projects, and the SBA Surety Bond Program can help smaller contractors qualify. When a claim happens, we manage it end to end.
Get your general contractor insurance quote
Tell us about your projects, crews and subs, and we'll compare options across the market. You can also email info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder, and the coverage builder is a starting point for discussion rather than a quote. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.