Construction & Contracting
Whether you are a General Contractor, Residential Builder, or a specialized Trade Contractor, you are the leader of the job site. Your insurance is designed to manage the moving parts of a project and protect against site accidents and property loss.
1. Commercial General Liability (CGL)
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This is the backbone of your coverage, protecting against third-party bodily injury and property damage claims.
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It covers accidents that occur during operations, such as a "hot work" fire or a site injury that could halt a project.
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For trade-specific firms like Plumbing, Excavation, or Demolition, this provides the primary defense against operational risks.
2. Builder’s Risk (Course of Construction)
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Provides specialized protection for the physical structure itself while it is under construction.
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This covers losses due to fire, wind, theft, and vandalism until the project is completed and keys are handed over.
3. Workers’ Compensation
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This is essential protection for your crew, ensuring that team members are cared for in the event of a workplace injury.
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Effective policies help manage the "E-Mod" (Experience Modifier) to keep premiums low while maintaining a safe work environment.
4. Umbrella & Excess Liability
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In a high-litigation industry, primary insurance limits are often insufficient for catastrophic claims.
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This provides "high-tower" coverage to protect your firm’s assets against major financial losses that exceed standard policy limits.
5. Inland Marine (Tools & Equipment)
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Covers expensive machinery, specialized tools, and materials while they are in transit or parked at the job site.
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This is critical for Trade Contractors and Installers who move high-value equipment between multiple project locations.
Service Descriptions
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General Contractors: Managing overall construction projects from initial planning to final completion.
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Residential Builders: Constructing high-quality homes and residential structures for private property owners.
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Design-Build Firms: Single-source responsibility for both architectural design and physical construction services.
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Construction Managers at Risk: Guaranteeing project delivery within a set maximum price and schedule.
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Agency Construction Managers: Acting as the owner’s representative to oversee project quality and costs.
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Trade Contractors: Providing specialized skilled labor for specific phases of construction projects.
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Concrete Contractors: Specialized services for structural foundations, slabs, and decorative concrete finishes.
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Steel Erectors: Assembling structural steel frames and components for large-scale building projects.
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Roofers: Installing and maintaining durable roofing systems for commercial and residential buildings.
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Plumbing Contractors: Installing and repairing water systems, drainage pipes, and gas lines.
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HVAC Contractors: Installing and maintaining heating, cooling, and ventilation systems for buildings.
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Electrical Contractors: Installing and maintaining high-voltage power systems and complex electrical wiring.
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Fire Sprinkler Contractors: Designing and installing automated water-based systems for life safety protection.
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Excavation Contractors: Preparing construction sites through heavy earthmoving, grading, and trenching services.
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Demolition Contractors: Safe and systematic removal of existing structures and site clearing.
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Landscape Contractors: Enhancing outdoor environments through vegetation, hardscaping, and irrigation installation.
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Solar Installers: Mounting and connecting renewable energy systems for sustainable power generation.
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AV Integrators: Designing and installing integrated audio, video, and multimedia communication systems.
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Security System Installers: Implementing comprehensive surveillance, access control, and alarm monitoring security.
Build with Confidence
Don't let an uninsured subcontractor or a site accident derail your firm. Get the coverage that covers the whole site.