We know construction insurance
Our dedicated Construction Insurance team has decades of experience in the Construction Insurance space.
We function as your company's "Insurance Division", crafting creative solutions to keep your costs down while covering your assets and meeting your contractual obligations.
We provide fast response times and free, same day certificates of insurance.
Policies we offer
General Liability
General Liability covers you and your company for claims involving bodily injuries and property damage resulting from your products, services or operations.
Proper classification of your business operations is essential so that if a claim ever does happen, the Insurance Company pays the claim and your business avoids a catastrophic expense.
Construction Insurance is different than many other forms of insurance because one company can engage in several different trades requiring different classifications on your insurance policy in order for the policy to be effective in covering your business.
Call our experienced Construction Insurance Team today to examine the range of insurance options we can craft for your business.
Commercial Auto
Commercial Auto Insurance is an essential tool in your insurance toolbelt necessary to protect your company. Your personal insurance policy likely excludes business use, so if you are involved in an accident while performing work for your company, the insurance company can deny the claim.
Commercial Auto Insurance provides you coverage for this exposure and turns your auto insurance expense into a company tax write off.
Workers Compensation
Workers Compensation Insurance provides wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Bonds
Some cities and states require that contractors obtain license and permit bonds to ensure that customers receive the services and completed work that’s been promised. It’s a legally binding contract that also helps ensure that the contractor will pay for any materials and labor required to complete the job and not leave the customer holding the bill. Most contracts for cities and municipalities require a performance and payment bond to foresee their financial interest in a contract. You might even see some private projects require this as well to anticipate the investment in the project. Being bonded means that your company is financially sound enough to perform the work being required.
Inland Marine Insurance
Tools & Equipment are expensive, but insuring them properly doesn't have to be.
Inland Marine Insurance provides you with peace of mind to know that if your tools or equipment are vandalized or stolen, your business will continue because replacements are on the way
Builders Risk Insurance
A builders risk policy can cover a variety of projects, offering standard coverages and optional endorsements to tailor coverage for almost any residential or commercial course of construction project. A builders risk insurance policy is often required to comply with government regulations or as a condition to meet banking or other contractual arrangements.
Pollution Insurance
Depending on the nature of your business, pollution insurance may be an important investment. Pollution coverage covers the introduction of contaminants into the natural environment that causes adverse change.
Professional Liability
Everyone makes mistakes. Professional liability coverage covers errors in design or value engineering on the job or modifications that occur in the shop which can cause a major issue with a project. Unlike general liability coverage, which covers bodily injury and or property damage, this covers those mistakes that can have a financial impact on a project.
Cyber Insurance
One of the fastest growing types of business insurance involves protecting your company’s data and that of your customers and third-party vendors. As construction firms rely more heavily on technology — whether software platforms to manage business functions or equipment and smart technology used on job sites — the need to protect all that streaming data increases. Even small construction firms should consider cyber insurance since nearly half of all cyber attacks target small businesses, and only 14% believe they’d be highly effective at mitigating cyber risks, vulnerabilities and attacks. The good news is that cyber coverage is typically inexpensive and offers a nice layer of protection.