Insurance for general contractors & builders
Residential and commercial builders juggle job-site injuries, subcontractors, equipment and contract requirements on every project.
Risks worth reviewing
- Injuries to workers, subs or the public on a job site
- Damage to a client's property during or after the work
- Tools, equipment and materials stolen or damaged on site
- Contracts that require specific limits, additional insureds or bonds
Coverage businesses like yours often review
- General liability
- Workers' compensation
- Commercial auto
- Inland marine
- Umbrella & excess
- Surety & bonds
- Builder's risk
- Contractors pollution liability
Common questions
Do I need coverage for my subcontractors?
If a sub doesn't carry their own insurance, their claims and payroll can end up on your policies at audit. Collecting their certificates helps.
What is an additional insured?
A person or company added to your policy by endorsement, often a client or GC, so they have protection for claims from your work.
General information only. Every business is different, and coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits.