Construction Insurance. For Less.
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Jeff| Baltimore, MD
What Do You Need to Know before Getting Construction Insurance?
Construction and contract workers are the ones who bring a building from an empty plot of land to a sprawling skyscraper. Many construction sites can have hundreds of workers on site at the same time with some of the most diverse occupations from crane operators and civil engineers to superintendents and construction laborers.
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- The scaffolding collapse that happened in Houston, that injured 6 workers
- The pane of glass that fell from a construction site in NY that injured 3 bystanders on the street below
- The worker who was killed when the wall fell on him
With so many factors to look out for, you need a company that has a dedicated construction insurance staff to do what you can to minimize your risk exposure to with a construction insurance policy tailored to protect you from the hazards of the construction profession. With our experts on the
Coverage Included In Construction Insurance?
A good construction insurance policy that gets you quality coverage will give you the
Some of the policies you may want to consider include:
Construction general liability insurance:
In most states, general liability insurance is required in order to get a contractor’s license. This coverage will protect your business if you are responsible for injury or property damage to others, such as a worker being injured by a fall or one of your tractors going off course and damaging some local property.
Builders risk insurance:
This coverage will protect your organization’s materials for on-site property damage of a site under construction or renovation of a building or structure including materials, fixtures and/or equipment being used. The coverage limit of this policy is based on the value of the structure when completed.
Professional liability insurance:
This coverage will protect you if you give advice or give a
Loss of income insurance:
This coverage will protect your business for up to 12 months if the business is unable to function due to a disaster such as
This coverage is required in most states to cover employees’ medical diagnosis and treatment from job-related injury, illness or
Commercial vehicle insurance:
This coverage is a customized casualty solution that will protect transportation risks, from trucking operations of all sizes and cover your cars, trucks and other vehicles should they damage or cause damage to other vehicles.
Commercial Umbrella Liability;
This will add extra coverage protection to your insurance plans and will increase the amount of coverage your business has.
Casualty coverage solutions to protect businesses against potentially catastrophic losses. With high capacity and exceptional program design flexibility, we build strong, unified towers of liability protection in an attempt to meet the sophisticated needs of major corporate clients.
Types of Construction bonds
Most jobs will require you to have proper bond coverage to even bid for a job. These include:
This bond is issued by the insurance company or a bank to guarantee satisfactory completion of the project by your business
Hold Harmless agreement
a contract commonly provided by the subcontractor to the contractor or builder designed to release one or both parties from legal claims. Most often, one party agrees not to sue the other party for any expenses, damages, or losses arising from a transaction or activity between the two parties.
Bid Bond Surety
The bid bond assures and guarantees that should the bidder be successful, the bidder will execute the contract and provide the required surety bonds.
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