General liability & umbrella
Coverage that meets contract requirements for injuries and property damage.
- Additional insured and waiver of subrogation
- Products and completed operations
- Umbrella and excess limits
Industries · Construction
Insurance and benefits for contractors and trades
Coverage that keeps you compliant with contract requirements, protects your crews and equipment, and gets certificates out fast.
Every contract comes with insurance requirements. Missing one can cost you the job.
General contractors, owners, and lenders expect specific limits, endorsements, and certificates before you set foot on site. We build a program that meets those requirements, protects your crews and equipment, and keeps premiums competitive.
Construction insurance solutions
Workers’ compensation
Coverage for crews, often required by general contractors and project owners.
- Workers’ comp options and guidance
- Safety program support
- Payroll audit preparation
Equipment, auto & builder’s risk
Protect your tools, vehicles, and projects under construction.
- Contractor’s equipment (inland marine)
- Commercial auto
- Builder’s risk for projects in progress
Benefits for crews and staff
Affordable benefits that help you hire and keep skilled workers.
- Group health and ICHRA options
- Life and disability coverage
- Voluntary benefits at no employer cost
Why contractors work with us
Fast certificates
Certificates and endorsements turned around quickly so work is not delayed.
Contract review
We check insurance requirements before you sign.
Cost control
Workers’ comp and safety strategies that can lower premiums over time.
Crew benefits
Benefits that help you compete for skilled labor.
How we work
A clear process from first call to every renewal
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Discover
We learn your goals, workforce, budget, risks, and renewal dates — before we recommend anything.
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Analyze & benchmark
We review your current plans, policies, and claims history, and benchmark them against companies like yours.
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Market & recommend
We take your program to the market and present side-by-side options in plain language, with a clear recommendation.
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Implement & advocate
We handle enrollment, employee communication, claims help, and compliance — and stay with you all year.
Frequently asked questions
What is builder’s risk insurance?
Builder’s risk covers a building or structure while it is under construction, including materials on site and in transit. It protects against losses like fire, wind, and theft until the project is complete.
Why do general contractors require additional insured status?
Being named an additional insured on your general liability policy protects the general contractor if a claim arises from your work. It is one of the most common contract requirements, and we make sure the correct endorsements are in place.
Get a coverage review for your construction business
Send us your current policies and a recent contract. We will confirm you meet requirements and look for savings.