Construction & Contractors Insurance

Construction companies, Carpenters and Contractors carry special risk and require a special package of insurance products to protect them from those risks. We have hundreds of construction and trade clients and work with them everyday to make sure the are protected.

Our access to the largest and best insurance companies available allows us to provide the best products in a superior insurance package.

Builders’ Risk

If you build several properties a year you may wish to get builders risk coverage to protect the structure until it’s completed. This would include on-site structures, machinery, equipment, floor coverings, outdoor furniture, garages, fences and additions under construction. you can also get coverage for materials on site that will be used for the construction.

General Liability

Protects you against damage you may cause to an existing structure you may be renovating or adding on. It will also protect you for bodily injury of pedestrians and others that may be harmed while on the construction site, or by accidental negligence by you or one of your workers.

Workers Compensation

Most states mandate companies to provide Workers Compensation coverage for their employees. Some states allow the business owner to exclude themselves from their policy as long as they are not working as a subcontractor for another company. the basic rule to follow is ‘paid workers or employees have to be insured somewhere- either under your policy or someone else’s.’

Contractors’ Limited Professional Liability

If you elect this option, we’ll provide valuable protection against claims that the design services you provide in connection with your work injured someone or damaged someone’s property.

Installation Floater

Provides temporary property insurance to protect the value of labor and materials of the work in progress in the event that it is damaged by theft, vandalism, fire, windstorm, etc. Coverage starts while the materials are in transit to the jobsite and ends once the job is completed or the owner accepts the work.

Tools & Equipment

This coverage protects equipment and tools equipment used at a job site of equipment from damage or theft. Contractors equipment insurance can also apply to equipment used in other areas such as the extraction and removal of natural resources, logging, mining, and port facilities.