Jobsite injuries, a lapsed sub's coverage, a fire on a project you thought the owner insured — construction risk is unlike anything a standard business policy handles. We design contractor programs that pass contract requirements, protect your Experience Mod, and keep you bidding.
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Tell us your role, size, and how you work. We'll surface the coverages to prioritize and the gaps that sink contractors — instantly.
Nothing is stored or shared. A broker confirms the specifics.
Illustrative only — required limits, coverages, endorsements, and eligibility vary by carrier, operation, contracts, and state. Your First Underwriters broker confirms exactly what your business needs.
These are real construction exposures. Pick a scenario to see how fast the loss adds up — and exactly how the right coverage responds.
Construction insurance is several policies working together. Click each to see what it does — and the gap most contractors miss.
From a one-truck specialty contractor to a large commercial builder — search or filter to your trade.
We've focused on construction since 1992 — we know prevailing wage, wrap-ups, Experience Mods, and the specialty markets that write the trades others decline.
It's what we do. We understand your operations, your contracts, and the coverage you actually need — not a generic business policy.
Safety programs and claims management that lower your Workers' Comp mod — often saving five to six figures a year.
Immediate COIs with additional insured, waivers of subrogation, and primary & non-contributory language — never lose a job to paperwork.
Certificate management that monitors sub coverage through the whole project, so a lapsed sub doesn't become your claim.
We read owner contracts and indemnification clauses so your coverage meets requirements before you sign uninsured exposure.
Specialty-market access for roofing, demo, steel and excavation — plus aggressive claims advocacy that defends your mod.
Request a comprehensive review that flags coverage gaps, cost-reduction opportunities, and proper protection for your operation — whatever your size or specialty.
Or email info@firstunderwriters.com · Same-day certificates · Free coverage review
First Underwriters Insurance Brokers is an independent brokerage serving the Pacific Northwest since 1992. This page — including the interactive Construction Coverage Profiler and claim-cost illustrations — is for general education only and is not an insurance quote, binder, or offer of coverage. Dollar figures, suggested limits, coverages, and endorsements are illustrative and vary by carrier, business, contracts, and state. Coverage is subject to policy terms, conditions, and exclusions.
