Who Needs Construction Insurance?

Construction Insurance helps protect your business from accidents that occur on the job.  Our construction insurance programs at ConstructionInsurance.com can provide you with a Business Owner’s Policy that includes General Liability Insurance, Builder’s Risk Insurance, Workers Compensation Insurance, Commercial Vehicle Insurance and more. General contractors, subcontractors and specialty trade contractors are commonly required to carry construction insurance by law to keep their businesses and employees safe.  Typical types of construction insurance we cover include:

  • Water and Sewer Contractors Insurance
  • Highway and Heavy Contractors Insurance
  • General Contractors Insurance
  • Excavation and Demolition Insurance
  • Aggregate Producers Insurance
  • Marine Contractors Insurance
  • Building Materials Distributors Insurance
  • General Building Trades Insurance
  • And more…

Laws on insurance requirements vary state by state, so make sure you are familiar with these laws where your business operates.  If you are unsure about your state, visit OSHA for more information or contact a member of our team today.

General Liability Insurance

General Liability Insurance is coverage that can protect you from a variety of claims including property damage, bodily injury, personal injury and others that can arise from your business operations. General Liability Insurance is often combined with property insurance in a Business Owners Policy, but we offer General Liability Insurance to many contractors as standalone coverage.

Business Owners Insurance

Business Owners insurance (also known as a Business Owners Policy or a BOP) protects your business from a variety of risks including property damage, loss of income, accidents and more.

Workers’ Compensation Insurance

Workers’ Compensation Insurance through ConstructionInsurance.com could help cover the medical costs and lost wages for an employee who becomes injured at work.

Commercial Vehicle Insurance

ConstructionInsurance.com provides many types of commercial vehicle insurance including:

  • Truck Insurance
  • Pickup Truck Insurance
  • Dump Truck Insurance
  • Flatbed Truck Insurance
  • Cement Mixer Insurance
  • Pump Truck Insurance
  • Bucket Truck Insurance
  • Straight Truck Insurance

How Much Does Construction Insurance Cost?

To become a licensed contractor, there may be a minimum requirement of coverage necessary to be approved or renewed for a said license. How much insurance you will need and how much the insurance will cost ends up being based on the complexity of the job. The exact type of contracting work and the category of construction jobs you are performing is going to factor into the type of insurance you must obtain. Also, the number of employees you might have working for you and the size and scope of the project further play a role in how much the insurance costs are going to be.

Who Can Benefit From Construction Insurance?

No matter the size, your business can benefit from Construction Insurance.  At ConstrucionInsurance.com, we have years of experience in addressing key areas of risk and the solutions to keep your workplace safe, including construction ergonomics such as: crane, scaffold, excavation safety and more. Our risk control consultants work aggressively to help lower your total cost of risk, resulting in saving you money on your insurance costs.