Affordable insurance starts with an easy quote
Construction Insurance is a comprehensive package of coverages designed to protect contractors, subcontractors, and construction firms from job-related risks throughout their ongoing business operations. Unlike project-specific policies, this protection covers your business across every job site, every day—safeguarding your crews, equipment, vehicles, and liability exposures.
Construction is one of the highest-risk industries in America. Workers face falls, equipment injuries, and hazardous conditions daily. A single accident without proper coverage can bankrupt your business. According to OSHA, one in five workplace fatalities occurs in construction—known as the “Fatal Four.” Beyond worker safety, a liability claim from property damage or a third-party injury can exceed hundreds of thousands of dollars. Most GCs and property owners require proof of insurance before you can even start work.
A “one-size-fits-all” policy doesn’t work because a general contractor faces different risks than an electrician or a roofing specialist. We match your specific trade, crew size, and project types with the carrier that protects you best.Select your contractor type below to instantly start a custom quote built for your trade.
Managing multiple subs and overseeing entire projects requires broad protection.
Specialized skills require specialized protection—standard policies miss critical exposures.
Large equipment and infrastructure projects carry massive liability exposures.
We design Construction Insurance programs that go beyond “minimum required” to “fully protected,” safeguarding your workers, equipment, and net worth.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Feature | Basic “Minimum” Policy | The “Dream” Protection Plan |
|---|---|---|
| Liability Limits | ✖ Low ($300k) – Risky | ✔ High ($1M/$2M+) |
| Completed Operations | ✖ Excluded or Limited | ✔ Included (Crucial for callbacks) |
| Additional Insured | ✖ Extra Fee Each Time | ✔ Blanket Coverage (Streamlined) |
| Waiver of Subrogation | ✖ Not Available | ✔ Available (Contract compliant) |
Many contractors confuse these two critical coverages. Understanding the difference is essential for complete protection.
| Feature | Construction Insurance | Builder’s Risk Insurance |
|---|---|---|
| Primary Purpose | Ongoing business operations | Specific construction project |
| Duration | Annual, renewable policy | Project duration only |
| What It Covers | Liability, workers, vehicles, equipment | Building structure & materials |
| Who Purchases | Contractor (required) | Property owner or contractor |
| Covers Third-Party Injuries | ✔ Yes | ✖ No |
| Covers Building During Construction | ✖ No | ✔ Yes |
Need project-specific property coverage? Learn about Builder’s Risk Insurance →
“Why is my rate higher than my competitor’s?” Construction insurance costs are driven by your trade classification, payroll size, and claims history.
Captive agents only have one price. “Independent Means Multiple Choices.” We shop 30+ top-rated carriers to find the best rate, re-shopping for you at renewal if rates spike.
Experience the confidence shared by the contractors we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
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Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
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