You make one call. We make the rest.
GC or specialty trade, your project cannot start until the paperwork is right. We cover worksite injuries, property damage, tools, and the structure itself, and we turn around certificates with the exact wording your contract asks for, the same day it asks.
Tell us about your business.
What is Construction & Contractors insurance?
It is the package that keeps a jobsite working: general liability for injuries and property damage, builders risk for the structure while it goes up, coverage for the tools and equipment that earn your living, and the workers' comp your state and your contracts require. Written right, it is also the paperwork that wins bids.
The certificate is the job.
Most contractors do not lose work because they are uninsured. They lose it because the COI took a week and named the wrong additional insured. We write the wording your GC or municipality actually requires and get it out same-day, so the job starts on schedule.
Worksite liability
Third-party injuries and property damage on active jobs, from a sidewalk trip to a cracked slab next door.
Builders risk
The structure, materials, and fixtures while the project goes up, from ground break to handover.
Tools & equipment
Owned and rented gear, on the truck, on the site, or in the yard overnight.
Certificates & additional insureds
Same-day COIs with additional insured, waiver of subrogation, and primary and non-contributory wording when the contract calls for it.
Who needs Construction & Contractors insurance?
If your crew, your sub, or your equipment touches someone else's property, this is for you:
- General contractors managing subs and carrying contractual requirements
- Specialty trades: roofing, framing, electrical, plumbing, HVAC, concrete
- Remodelers and handymen working inside occupied homes and businesses
- Residential and commercial builders with structures going up
- Construction managers holding project-level exposure
One application. Every market. The right program.
We know the trades.
Roofers price differently than framers, and both differently than electricians. We place each trade with the markets that want it.
Paperwork that wins bids.
We write what the contract asks for the first time, so you are not re-papering mid-project.
Every market that writes construction.
Admitted where it is priced right, E&S where the work demands it. You see the real options.
One call, handled.
Tell us the job. We handle the applications, the carriers, and the renewals.
Frequently asked questions
What insurance do contractors need?
Almost every contract requires general liability, and most states require workers' comp once you have employees. Builders risk, inland marine for tools, and commercial auto round out the package depending on the work. Tell us the trade and the contract, and we will tell you exactly what it takes.
How fast can I get a certificate?
Same day in most cases. If a GC or municipality needs specific wording, send us the requirement and we match it.
What happens if a subcontractor gets hurt on my site?
That is exactly the scenario your liability program has to anticipate. We structure coverage around how you use subs, including checking their certificates so their risk does not become yours.
Is tool theft covered?
With inland marine coverage, yes: on the truck, on the site, or in storage. Standard property policies often leave this gap open.
What does it cost?
It depends on trade, payroll, and revenue, which is exactly why we quote it across multiple markets instead of one. You see real options and pick the one that fits.