Builders & Construction Insurance


Contractors in particular need liability insurance to protect them in the event that they cause bodily injury or property damage through the course of their operations.  Commercial General Liability (CGL) insurance protects contractors for lawsuits due to “bodily injury or property damage.”

In the past, limits of $500,000 or $1,000,000 were pretty common.  Today, limits in the dollar amount of $2 or $3 million are much more common.  In fact, many contractors are insuring to limits of $5 million or higher.  CGL protects the business, the owners, the shareholders and the employees when any of them are sued due to the operations of the business.

Along with liability insurance, your policy can cover your tools, equipment, stock that is being delivered and kept on the work site, etc.

Builders Risk

Buildings under construction can act like beacons for damage – whether it happens by natural causes or unlawful actions.

Builder’s Risk insurance is designed to provide coverage for property loss to buildings and structures under construction.