Contractors, Construction Companies and Trades
Building confidence in every project
Construction and trades businesses face a unique set of challenges, from on-site accidents to unexpected delays. Our insurance solutions provide peace of mind, so you can keep building without worry.
What Insurance is Required for Contractors, Construction and Trades?
An insurance policy tailored for contractors, construction and trades offers critical protection to help keep your business running smoothly when the unexpected happens.
Types of coverage
Coverages are customized to meet your business’s unique needs, ensuring you’re protected on every project, no matter the scale or complexity. Coverages that your business may require include:
- General liability
- Contractor’s errors & omissions (E&O)
- Contractor’s pollution liability
- Employment practices liability (EPL)
- Employers liability
- Property – which may include; building, contents, equipment, stock, tenant’s improvements and betterments, tenant’s legal liability
- Equipment and tool
- Floater (while off premises)
- Installation floater
- Extra expense
- Builder’s risk
- Surety bonds
- Wrap up
- Cyber
- Commercial vehicle
Who we protect
Each trade has distinct needs, and our specialized insurance solutions cater to a variety of professionals:
- Trades and utilities: plumbers, electricians, carpenters
- Commercial and residential developers
- HVAC installers and service operations
- Renovation and general contractors
- Commercial real estate and property management companies
- Commercial and residential landscapers
- Snow removal operations
- Paving operations
- Excavation companies
Key factors in your premium
Your premium reflects various aspects of your operations, including, but not limited to:
- Business location and size
- Claims history
- Project scale and duration
- Operations (demolition, excavation, etc.)
- Equipment on-site security
- Experience
- High-risk elements such as flammable materials or explosives
Lay the foundation for security.
Discover how our specialized insurance solutions can help secure the future of your business.
Frequently asked questions
Find answers to common questions about contractors, construction, and trades insurance.
Can you help me insure my construction business?
Yes, we start with a detailed assessment of your business to provide an accurate quote. This includes understanding your project types, equipment, and team.
Do you offer surety/bonds?
Yes, we work with a range of surety providers. To meet tight bid deadlines, we recommend beginning the bonding process early.
How many vehicles qualify for fleet insurance?
With five or more vehicles, you may be eligible for fleet insurance, which may lead to savings and added flexibility for managing your fleet.
Have more questions?
Contact us for more information.