Construction Insurance
Comprehensive insurance solutions for general contractors, subcontractors, and specialty trades
Insurance for Construction Professionals
Construction is one of the most hazardous industries, with workers exposed to falls, heavy equipment, electrical hazards, and more. California law requires specific insurance coverage for construction businesses, and many project owners and general contractors require proof of insurance before you can step on a job site.
Why Specialized Construction Coverage Matters: Standard business insurance policies don't adequately cover the unique risks of construction operations. You need coverage that addresses job site injuries, property damage, equipment theft, completed operations liability, and regulatory compliance.
We work with carriers who specialize in the construction industry and can provide competitive rates for both new and established contractors.
Essential Construction Coverage
Complete protection for your construction business
General Liability
Covers third-party bodily injury and property damage claims arising from your construction operations, including completed operations.
Workers Compensation
Required by California law for all construction employees. Covers medical expenses, lost wages, and rehabilitation for job-related injuries.
Commercial Auto
Coverage for trucks, vans, and vehicles used to transport materials, equipment, and workers to and from job sites.
Inland Marine / Equipment
Protects your tools, equipment, and machinery from theft, damage, and breakdown at job sites or in transit.
Builder's Risk
Coverage for buildings under construction, protecting against fire, theft, vandalism, and weather damage during the build process.
Umbrella / Excess Liability
Additional liability coverage beyond your primary policies, essential for meeting contract requirements on larger projects.
Construction Trades We Cover
We provide insurance for all types of construction operations:
General contractors and builders
Electrical contractors
Plumbing and HVAC contractors
Roofing contractors
Painting and drywall contractors
Landscaping and concrete contractors
Common Claim Scenarios
Real situations where proper insurance coverage protects your construction business
Job Site Injury
A worker falls from scaffolding on a commercial project, requiring surgery and months of rehabilitation. Workers compensation covers medical expenses and lost wages.
Property Damage
During excavation, a backhoe operator accidentally ruptures a gas line, causing damage to a neighboring building and requiring emergency evacuation.
Equipment Theft
Over a weekend, thieves steal $80,000 worth of tools and equipment from an active construction site.
Completed Operations Defect
A plumbing installation you completed six months ago develops a leak, causing water damage to the building and requiring costly repairs.
Related Insurance Products
Ready to Protect Your Construction Business?
Get comprehensive construction insurance tailored to your trade and project needs. Our agents specialize in California construction coverage.