Comprehensive Construction Insurance for Contractors and Developers

From breaking ground to closeout, one uninsured loss can derail an entire build. We evaluate your operational footprint and design coverage around it.

Commercial general liability. Protection against third-party bodily injury, property damage, and completed operations claims arising from job site accidents or alleged installation defects.

Builders risk. Property coverage for structures under construction or major renovation, protecting materials, fixtures, and framing against fire, windstorm, theft, vandalism, and accidental damage.

Contractor’s equipment and inland marine floaters. Coverage for mobile heavy machinery, specialized tools, and materials while stored, in transit, or in use on site.

Workers’ compensation. Required coverage providing medical expenses and lost wages for injured workers while protecting your business against workplace liability claims. Worth knowing: in construction, your Experience Modification Rate is increasingly used by general contractors and project owners as a bidding qualification, so your loss history can affect what work you can win.

Bid, performance, and payment bonds. Most public projects and many private commercial jobs require surety bonding before you can bid. Our bonds and surety team works with contractors to establish bonding capacity and grow it as project sizes increase — which for a growing contractor is often the difference between bidding the next job and watching it go to someone else.

Owner-controlled insurance programs (OCIP). Consolidated risk management for large commercial and civil developments. A wrap-up secures general liability and workers’ compensation for all enrolled contractors and subcontractors under one master policy, closing coverage gaps and controlling total project cost.

Commercial auto and excess liability. Coverage for utility trucks, flatbeds, and heavy haulers, paired with high-limit excess liability to protect against catastrophic claims and nuclear verdicts.

Cyber liability. Increasingly relevant as project management, plans, and payment processes move online. Contractors are a frequent target for payment redirection fraud on draw requests.