Construction Insurance

Business insurance can help you save money if there’s an accident involving your business, and it’s usually required before you can start working on projects for your clients. 

When you have the right construction business insurance, you can go to work knowing that you’ll be covered if someone gets hurt or property is damaged while you and your team are on the clock.

Construction liability insurance can help pay for damaged property, client injuries or work mistakes that you’re accused of causing at a job site. 

We combine two types of liability insurance in our business insurance packages:

General liability is the insurance coverage that most construction business owners buy first. It can help cover costs if a client or vendor accuses you or your employees of causing an injury or damaging property — two of the most common types of accidents at construction sites.

Errors and omissions insurance (also known as professional liability), helps to pay for alleged work oversights that cause a client a financial loss. For example, a client could claim you are responsible for project overruns. No matter if it’s accurate or not, if someone says you didn’t deliver the services you said you’d provide, they can ask you to pay for any losses. Professional liability can help cover the costs to defend your business or fix the problem.

Liability insurance covers some of the most common construction accidents. You may also want to add other types of coverage to your insurance package to protect your business from other types of incidents.

We typically recommend: 

Workers’ Compensation for constructions workers

In the construction trade, workplace injuries happen more frequently than you might think. Workers’ comp makes those situations easier by helping to pay for medical bills for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while recuperating from tripping over scaffolding and breaking your ankle. 

This coverage is required for businesses with employees in every state except Texas.

Learn more about workers’ comp.

Commercial Auto insurance for construction businesses

You’ll need commercial auto insurance in most states to cover any work vehicles that are titled to your business. Even if you drive your own truck to job sites, it probably won’t be covered under your personal car insurance. 

Learn more about commercial auto.

Tools & Equipment insurance for construction contractors

Tools and equipment insurance can be added to your general liability insurance to help cover the cost of repairing or replacing your gear, whether it’s ladders or jackhammers.

Learn more about tools & equipment.