Construction Insurance

Get construction business insurance built to fit your needs

Next Insurance is a one-stop shop for construction business insurance. With our easy online platform, you can quickly get the coverage you need at an affordable price to win bids, protect your employees and your gear. Oh, and you’ll save 10% when you bundle two or more of our policies.

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Why do construction contractors need business 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.

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How construction liability insurance protects your business

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.

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Other important business insurance coverage for construction contractors

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.

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Frequently asked questions about construction insurance

What insurance should I get if my work involves multiple construction trades?

If you specialize in more than one trade, such as general construction and carpentry, you can get an instant quote for general contractor insurance and share an estimate of how much time you spend with each type of work. That way, we’ll offer you construction insurance coverage specifically designed to meet your needs.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for contractor insurance, we’ll ask you a few basic questions about your business, including:

The type of contractor work you do
The number of employees and payroll at your business
The type of vehicles you use for work
The locations where you plan to work

How do I get my certificates of insurance?

A few minutes after you buy any type of coverage, you can log into your account from a computer or mobile device to access your certificate of insurance. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated.

Can I add an additional insured to my construction business insurance?

Yes. We know this is a common need for contractors to add an additional insured to their coverage, so we’ve given you the power to create certificates of insurance and add additional insureds for free. If your client needs special language on the certificate or other forms (called endorsements), please send a sample certificate to support@nextinsurance.com and an agent will be happy to review those requirements with you. Learn more about additional insureds.

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us:

The name your policy is under so we can find the right one
Where the incident happened
What the injured person was doing at the time and the type of injury sustained
Details and contact information for everyone who was involved

A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.