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About Construction Insurance
Construction insurance provides coverage for contractors in the following industries:
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.
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.
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.
This insurance covers construction professionals against claims resulting from errors, omissions, or negligence in their professional services or designs.
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.
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