Construction projects carry significant financial risk — weather delays, material theft, on-site injuries, and contract disputes. Our construction insurance programs protect every phase from groundbreaking to certificate of occupancy.
Coverages we place
Builder's risk for structures during construction
General liability for third-party injuries and property damage
Workers' compensation for all on-site personnel
Commercial auto and heavy equipment coverage
Contractor's pollution liability
Installation floater for materials and fixtures being installed
Wrap-up/OCIP programs for large projects
Performance and payment bonds
Who needs this coverage
Construction companies, commercial developers, residential builders, project managers, and any firm involved in new construction, renovations, or demolition work.
What drives your premium
Project size and total contract value
Type of construction (residential, commercial, industrial)
Number of subcontractors and total payroll
Safety programs and OSHA compliance history
Geographic location and weather exposure
Common exclusions
Faulty workmanship (varies by policy)
Wear and tear or gradual deterioration
Government-ordered demolition
War, nuclear hazards
Penalties and fines
Frequently asked questions
What is builder's risk insurance?
Builder's risk covers buildings under construction against fire, theft, vandalism, and weather damage. It protects the structure, materials, and fixtures until the project is complete.
Do I need an OCIP or wrap-up program?
For large projects ($10M+), Owner-Controlled Insurance Programs (OCIPs) can centralize coverage and reduce costs. We help evaluate whether a wrap-up makes sense for your project.
How do I insure subcontractors?
You can require each sub to carry their own insurance (most common) or include them under a wrap-up program. We help structure your requirements and verify compliance.