Insurance Coverage for Contractors & Construction
Protecting your business, projects, and people
Integrated Insurance (part of Integrated Companies) offers tailored insurance solutions for contractors and construction businesses of all sizes. From general liability to specialty policies, our insurance options provide the security you need to operate confidently and meet client and state requirements.
Whether you’re a general contractor, plumber, electrician, or any other trade professional, our policies are designed to cover the unique risks of your business.
Whether you’re a general contractor, plumber, electrician, or any other trade professional, our policies are designed to cover the unique risks of your business.
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Insurance isn't just a legal requirement
Beyond the legal requisites, ensuring that your company has general liability, workers’ compensation, and other contractor-specific coverages also helps you avoid unexpected costs while reassuring clients that you’re a trustworthy partner.
With Integrated Insurance, you gain access to industry-focused protection that extends from initial bids through project completion.
With Integrated Insurance, you gain access to industry-focused protection that extends from initial bids through project completion.
Company insurance plans
Tailored insurance options for coverage that meets the needs of your specific business.
General Liability Insurance
Protect your business from claims of bodily injury, property damage, and personal injury related to your work. General liability insurance is a cornerstone for contractors, covering legal costs and damages if an accident occurs on your site or if a client experiences property damage due to your work.
Workers’ Compensation
Provide protection for your employees by covering medical expenses and lost wages in the event of a workplace injury. Workers’ compensation not only protects your team but also reduces the risk of costly lawsuits related to work injuries.
Group Health, Dental, and Vision Plans
Ensure the well-being of your team with comprehensive Group Health, Dental, and Vision plans tailored to contractors and construction businesses. These plans offer essential health benefits that attract and retain top talent, while also ensuring compliance with industry standards. Flexible options that include preventive care, specialist visits, dental cleanings, and vision exams. We will build a plan that fits your budget and coverage requirements.
Business Owners Policy (BOP)
Combines essential coverages into one cost-effective and streamlined policy, specifically designed for small to medium-sized contracting and construction companies. Typically includes general liability, property coverage, and business interruption insurance, protecting your business against financial loss due to unexpected disruptions or property damage.
Commercial Auto
Protect the vehicles that are essential to your contracting business, covering liability for accidents, property damage, and medical expenses related to work vehicles. Whether you operate a single truck or a fleet of service vehicles, this policy ensures that your business is protected from the financial risks associated with vehicle-related incidents.
Commercial Property
Safeguard your buildings, equipment, and tools against losses due to fire, theft, vandalism, and certain natural disasters. This coverage can apply to offices, warehouses, storage facilities, and model homes or other properties associated with residential developments. Contractors rely heavily on valuable assets, from heavy machinery to critical office equipment, and this coverage helps you recover quickly in the event of a loss.
Surety Bonds & License Bonds
Offers essential financial guarantees for contractors, ensuring compliance with project requirements and state regulations. License Bonds certify that contractors meet legal standards, while Surety Bonds (such as bid, payment, and performance bonds) assure clients that projects will be completed as agreed. Together, these bonds enhance credibility and provide security for clients and regulatory agencies.
Builders Risk
A policy designed to protect structures under construction. Builder’s risk insurance covers damages caused by theft, vandalism, weather, and more, ensuring that your projects stay on schedule and within budget even if unexpected events occur.
This coverage is commonly used for residential developments, including habitational projects such as apartments, condominiums, townhomes, and multi-family developments.
This coverage is commonly used for residential developments, including habitational projects such as apartments, condominiums, townhomes, and multi-family developments.
Inland Marine & Contractors Equipment
Inland marine insurance, also known as contractors equipment insurance, covers valuable equipment and materials transported to and from job sites and items stored on-site. Protects against theft, damage, and accidents, ensuring your tools and machinery are safeguarded throughout the project lifecycle.
Umbrella Insurance
Extend the limits of your existing policies, offering additional protection for large projects or high-risk environments. Umbrella insurance is ideal for contractors who work on large-scale commercial or industrial sites, providing an added layer of security.
Other Construction Coverages
We also offer these additional coverage types to address specific risks:
- Employment Practices Liability Insurance (EPLI): Protects contractors against claims of wrongful termination, harassment, or discrimination, providing essential coverage for businesses managing teams across various job sites.
- Employee Benefits Liability Insurance: Covers errors or omissions in administering employee benefits plans, protecting contractors from claims if issues arise with employee benefits.
- Cyber Insurance: Safeguards contractors from the financial impact of cyber threats like data breaches or ransomware, covering data recovery, legal costs, and reputational damage.
Personal insurance plans
In addition to contractor coverages, we also offer personal insurance plans that safeguard your home, health, and recreational assets.
Auto Insurance
Homeowners Insurance
Renters Insurance
Personal Umbrella Insurance
Life Insurance
Health, Dental, Vision
Short and Long Term Disability
Additional specialized coverages
Watercraft / Boat
Motorcycle
Travel Trailer
Motor Home
Snowmobile
Manufactured Home
Cost considerations for contractor insurance
We understand cost is a crucial factor when choosing insurance. Integrated Insurance offers competitive pricing, allowing you to secure comprehensive coverage without overspending.
Insurance costs for contractors depend on factors such as project size, risk level, and the types of coverage needed. Our team helps you evaluate your options to find the most cost-effective solution.
Insurance costs for contractors depend on factors such as project size, risk level, and the types of coverage needed. Our team helps you evaluate your options to find the most cost-effective solution.
Driving your success
With Integrated Insurance, you remain compliant while gaining the security to take on larger projects, reassure clients of your reliability, and reduce financial stress associated with unforeseen incidents.
Our industry-specific account managers and business advisors are here to lead you, ensuring that your policy evolves with your business.
Frequently asked questions
What does general liability insurance cover for contractors?
General liability insurance for contractors covers costs associated with third-party claims of bodily injury, property damage, and personal injury resulting from your work. For example, if a client’s property is damaged during a project or someone is injured at your job site, general liability insurance helps cover medical expenses, legal fees, and any damages awarded.
How is contractor bond insurance different from general liability?
Contractor bond insurance, or surety bonds, guarantees that you’ll fulfill contractual obligations, such as completing a project or adhering to legal requirements. Unlike general liability insurance, which protects you against claims of bodily injury or property damage, a contractor bond protects clients, ensuring they’re compensated if you don’t meet contract terms. In short, bond insurance is about project commitment, while general liability focuses on physical risks.
What is contractors all risk insurance, and do I need it?
Contractors all risk insurance (also known as builder’s risk insurance) covers loss or damage to construction projects, materials, and on-site equipment during active work. This insurance is critical if your projects face risks like vandalism, fire, weather damage, or theft of materials. It provides peace of mind that your investments are protected, ensuring that work interruptions don’t lead to financial loss.
How do I get licensed and bonded as a contractor?
To become a licensed and bonded contractor, you must meet your state’s licensing requirements, which often involve passing exams, demonstrating financial stability, and providing proof of experience. Once licensed, you can obtain a surety bond by working with a bonding company which assesses your financial health and work history. Note that bonds are only legally required for contractors experiencing credit/financial hardships.
What is the cost of workers’ compensation insurance for contractors?
The cost of workers’ compensation insurance for contractors depends on factors like your business size, number of employees, industry risk level, and past claims history. Contractors working in high-risk areas, like roofing or electrical work, generally have higher premiums. We work with you to find the best coverage at the most competitive rates, ensuring you meet state requirements without overpaying.
Additional business solutions
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Ready to secure the best insurance for contractors? Contact us today for a free, no-obligation quote tailored to your business needs.
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