General Liability insurance covers construction contractors for third-party claims of bodily injury or property damage from job-site activities. It includes legal defense costs, medical payments, and settlements when the contractor is liable. This policy applies to incidents involving clients, subcontractors, or the public during operations.

Worker’s Comp insurance covers your crew’s medical bills, lost wages, and rehab if they’re hurt on the job site—no matter who’s at fault. It keeps you from getting sued by handling claims directly, so your guys get paid fast without court battles.

Commercial auto insurance covers your trucks, vans, and other vehicles for accidents, theft, or damage while on the job or road. It pays for repairs, medical bills, and liability if your driver causes harm to others or their property, protecting your business from big lawsuits.

Excess liability insurance kicks in after your general liability or auto policy limits are exhausted, covering big claims that could sink your business. It protects your assets from massive lawsuits, like a major job-site injury or property damage exceeding standard coverage. Think of it as extra protection for those high-risk projects.

A surety bond acts as a three-party guarantee that backs your promises on a job, paying out if you fail to deliver. Common types include contractor’s license bond (ensures legal compliance), performance bond (guarantees project completion), and payment bond (secures subs and suppliers get paid)

Inland marine insurance covers your tools, equipment, and materials from theft, damage, or loss while on the job site, in transit, or stored off-site. It fills gaps in standard property policies by protecting movable gear like excavators, generators, or hand tools anywhere the work takes you. 

Course of construction insurance protects your building project from damage, theft, or loss during the build. It covers materials, temporary structures, and the work in progress until handover, filling gaps in standard policies.

Commercial property insurance covers your shop, warehouse, or office building from fire, theft, vandalism, or storms. It can include business personal property like tools, machinery, and inventory stored inside.

Pollution liability insurance covers cleanup costs, legal claims, and damages if your construction work accidentally releases contaminants. It protects your business from third-party bodily injury or property damage claims tied to gradual or sudden pollution events.

Professional liability insurance (often called errors and omissions) covers claims if your design, advice, or oversight on a project leads to client losses, such as a faulty blueprint causing rework costs. It pays for legal defense, settlements, or judgments when sued for negligence, even if no physical damage occurs, unlike general liability.

Employment Practices Liability Insurance (EPLI) covers your construction firm from employee lawsuits over wrongful termination, discrimination, harassment, or wage disputes. It pays for legal defense, settlements, and judgments that general liability excludes, even if the claim lacks merit.

Group health insurance provides your crew with medical, dental, and vision coverage. It helps attract and retain skilled labor by sharing premium costs between you and employees, often with tax advantages for your business.

Beyond the coverages described above, your construction business can add miscellaneous options like cyber liability for data breaches, equipment breakdown for machinery failures, or flood insurance for high-risk sites. These tailor-made add-ons plug specific gaps in standard policies, ensuring full protection against unexpected threats.