Construction Insurance

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About Construction Insurance

We pay attention to your construction insurance needs, review and evaluate insurance contracts, and implement an insurance program. We are an independent insurance agency that specializes in the construction industry with multiple carriers for all types and sizes of contractors.

Construction insurance provides coverage for contractors in the following industries:

  • General contractors, trade contractors and subcontractors
  • Electrical contractors
  • HVAC contractors
  • Plumbing contractors
  • Roofing contractors
  • Landscaping contractors’
  • Building suppliers, manufacturers and distributors’
  • Examples of Construction Insurance Coverage include:

    General Liability Insurance

    This covers potential bodily injuries or property damage that may occur on a construction site. It’s the first line of defense against lawsuits arising from accidents or mishaps during construction.

    Property Insurance

    This provides coverage for the physical property of a construction business, such as buildings, tools, or equipment, in the case of events like fires, theft, or vandalism.

    Builders Risk Insurance

    This insurance covers a building or structure under construction. It offers protection for materials, equipment, and fixtures in the event they get damaged or destroyed by causes like fire, wind, theft, or vandalism during the construction process.

    Contractors Liability Insurance

    Tailored for contractors, this coverage protects against liabilities arising from property damage or bodily injuries that occur due to the construction process.

    Workers’ Compensation Insurance

    If a worker is injured on the job, this coverage provides them with medical benefits and covers a portion of lost wages. It also protects businesses from being sued by injured workers.

    Business Auto Insurance

    Covers vehicles owned or used by the construction business, providing protection against liabilities from accidents, injuries, or damages involving those vehicles.

    Inland Marine Insurance

    This insurance covers tools, equipment, and materials when they’re being transported or are off the primary job site, ensuring they’re protected against damages or losses.

    Environmental Coverage

    This is tailored for construction companies to cover claims resulting from pollution or environmental contamination caused by construction activities.

    Tools and Equipment Coverage

    As the name suggests, this coverage focuses on the tools and equipment used in construction, protecting them from theft, loss, or damage.

    OCP (Owners and Contractors Protective Liability)

    This provides liability coverage for either a property owner or a general contractor for specific projects, covering liabilities caused by a contractor’s or subcontractor’s work.

    Professional Liability

    This insurance covers construction professionals against claims resulting from errors, omissions, or negligence in their professional services or designs.

    Umbrella/Excess Liability

    This provides additional coverage beyond the limits of other policies. If, for instance, a claim exceeds the limits of a general liability policy, the umbrella/excess liability coverage would kick in to cover the remaining costs.

    Our Clients Love Us

    My family uses TR Insurance agency for many of our insurance needs. The staff is always professional and responsive and knowledgeable. They go above and beyond to assist and do whatever it takes to provide the services that are needed. Thanks to TR Insurance Agency for all of your hard work!

    - Shana Washington

    I called and within Minutes I had quotes for home and auto insurance and they treated me as if I had been dealing with their company all my life from day one I really appreciate your help and your knowledge I would recommend you guys to everyone I know.

    - Bruce Tucker

    Every time I have an issue it’s solve in a speedy manner the agency always calls me back right away. Great agency with great people. I’ve recommend to my friends. Thanks for all u do.

    - Karen Misilmeri