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A company, operation or business that works in the construction field, home improvement, remodeling or new construction needs to have the right types of protection to manage their risks. We provide Construction Insurance for nearly every trade including
Types of Insurance Typically Carried by Construction Companies
General Liability Insurance (GL)
General Liability Insurance, or GL, is an important component of construction insurance. It provides protection from legal suits and other financial responsibilities resulting from hazardous occurrences, such as an accident with injury, that take place on a job site or place of business.
Workers Compensation, often called workers comp or workman’s’ comp, is a key construction insurance component. It covers partial or complete medical expenses resulting from a workplace (or job site) injury. Workers comp can also cover partial wages for employees that are injured or become ill during work-related activities.
Course of Construction / Builder’s Risk
A Course of Construction Insurance, or “Builder’s Risk“, policy is designed to provide coverage for buildings while under construction. It covers the value of the property being constructed until it’s either ready for occupancy or occupied. It also covers materials at the job site before they are installed as well as materials in transit intended for the job.
Business Owners Insurance
Business Owners Insurance (BOP) includes multiple types of coverage for construction companies. It generally combines general liability and business liability into one policy. Construction businesses have unique needs and getting individual coverage from various carriers can be a hassle. A BOP can help simplify the process and reduce frustration.
Tools / Inland Marine
Losing equipment can cause your construction job to fall flat. There are several factors that can compromise a contractors equipment. Weather, theft, and inexperienced machine operators are just a few causes of lost or broken equipment and tools. Construction businesses lose more than a billion dollars every year from vandalism and theft. If your equipment is used on live construction grounds, being held in garage, or in transit between locations you can rest easy with an Inland Marine Insurance policy.
Commercial Auto Insurance
In the construction business, it’s common for workers to drive to, from and between job sites. Commercial Auto Insurance is an important piece of a companies protection needs. Commercial Auto Insurance gives the coverage you require to avoid the high expenses of auto repair, medical costs, or possible lawsuits as a result of unexpected accidents on the road.
We Work With More Than 60 Insurance Carriers Including:
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We are a different kind of insurance agency. We help you find answers.
The Key to Affordable Construction Insurance
We represent dozens of insurance companies with trustworthy brands you know. Our Licensed and accredited agents will guide you to a Construction Insurance policy that fits your needs. We will show you your local tailored options without bias. All you have to do is sit back and enjoy the savings.
How Do We Provide the Best Construction Insurance Prices?
It’s actually quite simple. Our agents are “Non-Captive” which means that, unlike other agents who can only offer policies form one company, we can get you quotes and policies from multiple carriers and multiple insurance companies. That is how we can vow to keep your best interest in mind!