How do I insure my small construction business against construction site vandalism?

Vandalized construction sites are a risk your small construction can face. Find out how to protect yourself with the right insurance coverage.

David Granahan - Writer for NEXT Insurance
By David Granahan
Michelle Meyer - Editor for NEXT Insurance
Edited by Michelle Meyer
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Published June 8, 2023.

Between $300 million to $1 billion in damages occur on construction sites because of theft and vandalism. As a small construction business, the right insurance coverage is essential to protect you from the financial repercussions of vandalism. The first step is to understand your insurance policy options.

How insurance protects your business against construction site vandalism

Commercial property insurance can help cover damages caused by vandalism, including buildings you own, equipment and building supplies.

Construction insurance can also include liability insurance: general liability insurance and errors and omissions insurance. But these policies are designed to cover damage to someone else's property. So, by adding commercial property insurance to construction insurance, you can ensure comprehensive coverage for the various aspects of construction site vandalism.


Consider a business owner's policy as an affordable insurance option that combines general liability insurance and commercial property insurance.

Benefits of insurance coverage for construction site vandalism

  • Financial protection If vandalism occurs, your insurance can help cover the costs of repairs, replacements, and any associated business interruptions. This protection ensures that your business can recover smoothly without bearing the full financial burden.
  • Peace of mind Knowing that you have a plan in place and are prepared for unforeseen events allows you to focus on your construction projects with confidence.
  • Enhanced credibility Clients and stakeholders can be more likely to trust a business that demonstrates proactive risk management and preparedness. With comprehensive insurance coverage, you send a strong message that you prioritize their interests and are committed to maintaining a secure and professional environment.

Protect your business against construction site vandalism

Vandalism is an unfortunate reality for small construction businesses. However, you can have peace of mind that your construction site is protected with the right insurance policy.

NEXT is committed to helping small businesses and can offer you affordable, tailored business insurance that suits your business needs. Simply apply online for an instant quote in less than 10 minutes. Once you purchase the coverage you need, you immediately get access to your certificate of insurance to share it 24/7 with the NEXT app.

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