Solutions for Contractors

General liability insurance protects businesses from financial loss due to third-party claims of bodily injury, property damage, or personal injury. It covers legal fees, settlements, and medical costs, helping safeguard operations and reputation. Essential for most industries, it provides a foundation of risk protection against everyday business exposures.

Workers compensation insurance provides coverage for employees who suffer work-related injuries or illnesses. It pays for medical expenses, lost wages, and rehabilitation costs, while protecting employers from legal liability. Required in most states, it ensures financial support for workers and promotes safer workplace practices across industries.

Excess liability insurance provides additional coverage beyond the limits of underlying policies like general liability or auto insurance. It acts as a financial safety net, protecting businesses from large claims or lawsuits. This extra layer of protection helps preserve assets and ensures continuity when primary coverage isn’t enough.

Commercial package insurance combines multiple coverages—such as property, general liability, and business interruption—into one customizable policy. It offers flexibility and cost savings for businesses by tailoring protection to specific risks. Ideal for small to mid-sized companies, it streamlines coverage and simplifies management of essential insurance needs.

Builder’s risk insurance covers buildings under construction against damage from fire, theft, vandalism, and certain weather events. It protects materials, equipment, and the structure itself, ensuring financial security during the build. Essential for contractors and property owners, it helps manage risk until the project is completed and occupied.

Contractor’s equipment insurance covers owned, rented, or leased tools and machinery used in construction or related trades. It protects against theft, vandalism, fire, and other physical damage, whether on-site or in transit. This policy helps ensure business continuity by minimizing financial loss from unexpected equipment-related incidents.

Contractor bonds guarantee a contractor’s performance and compliance with contractual obligations. They protect project owners from financial loss due to incomplete work, code violations, or unpaid subcontractors. Common types include bid, performance, and payment bonds. These bonds build trust and ensure accountability throughout the construction process.

Contractor environmental insurance protects against liabilities arising from pollution or environmental damage caused by construction activities. It covers cleanup costs, third-party claims, and regulatory fines. Essential for projects involving hazardous materials or sensitive sites, this coverage helps contractors manage risk and comply with environmental laws and standards.

OCIP (Owner-Controlled Insurance Program) and CCIP (Contractor-Controlled Insurance Program) consolidate insurance coverage for construction projects under one policy. They include general liability and workers compensation, streamlining administration and reducing costs. These programs enhance risk management, ensure uniform coverage, and minimize disputes among contractors, subcontractors, and project stakeholders.