Business insurance is important to construction and contracting companies, where injuries, equipment damage, and property damage are all commonplace. To cover yourself for employee injuries, you need workers’ comp coverage, and for other jobsite injuries, general liability coverage. Equipment damage repair or replacement costs require a property and liability policy.
We specialize in protecting a range of contracting professions including:
Who needs it?
If you’re in a construction business you should always have commercial insurance. Many businesses are required by their clients to carry specific coverages before they can work for them. Businesses involved in construction work often specialize in trades like:
- Home Building
- Windows & Siding
- Home Improvement
- Land Clearing
- Asphalt Laying
- Sprinkler Installation
- Parking Lot Striping
- Fence & Deck Building
- Concrete Laying
- Stone & Granite Work
AND MUCH MORE
How to save OR How much does it cost?
The different trades that do construction work are exposed to different types and degrees of risk. This variety of exposure is one of the many factors used to calculate a business’s construction insurance cost. We can give you access to options which you probably have not been offered by other insurance agencies.
For example, an excavator might risk damaging underground water or power lines, while a roofer might risk falling from a roof or ladder. Those are different kinds of risk, so you could expect their insurance rates to differ.
Other influences on your rate include your coverage needs, employees, work vehicles and claims history. The only way to know your exact rate is to get a customized quote.
Loss control services & risk management
As a customer, you have access to certified Construction Risk Insurance Specialists and other field professionals who are dedicated to helping you manage risk. You also get assistance with loss control solutions that are especially important to contractors, including:
- Collision countermeasures
- Completed operation risk evaluation
- Construction site security evaluation
- Equipment theft prevention
- Fleet program review and tune-up
- Hot work program evaluation
- Job site safety evaluation
- Material-handling review
- OSHA 10-hour Construction training
- Risk transfer program review