CONSTRUCTION INSURANCE
Protect the people, vehicles, tools, and work that keep your contracting business moving. BLIS helps you review your trade, crews, subcontractors, project mix, and current contract requirements so you can understand the coverage options and documents each job may require.
Certificates
Keep jobsite documents moving
Send the current contract requirements. BLIS can help request carrier-approved certificates and endorsements where the policy allows.
Email us for a certificateStart here
Share your contact information and a few basics about your business. A licensed BLIS representative will review your request.
Notice at collection:BLIS collects the contact, location, business or household, and insurance-request details you provide so we can review and respond to this request. Website hosting and form-delivery providers process the submission for BLIS. Do not enter a Social Security number, driver’s license number, payment information, or medical information in a note. See our Privacy Policy for categories, recipients, retention criteria, and privacy choices.
Submitting this request does not bind coverage or guarantee a quote. BLIS is licensed in California, Nevada, Arizona, Texas, Florida. CA License 0M74955.
Sending this form does not start coverage or guarantee a quote, price, or coverage result. BLIS will review what you send and may ask for a few more details before discussing available options.
Your business
Construction insurance is rarely one policy. Your crews, subcontractors, trucks, tools, projects, and contracts create different responsibilities, and each needs to be considered before work starts.
Workers’ compensation helps address job-related employee injuries. Its cost is commonly based on payroll and the work employees actually perform, so accurate job-duty records can also make year-end audits easier to manage.
General liability can address covered third-party injury and property damage. Its completed-operations protection may apply after a job is finished, while the contract may also require particular limits or endorsements before the crew can mobilize.
A roofer, demolition contractor, electrician, and finish carpenter do very different work. Describing the actual trade, project types, heights, equipment, and subcontractor use helps identify coverage options that fit the business instead of treating every contractor alike.
Commercial auto can protect work vehicles, while inland marine can follow tools and equipment away from the shop. Builder’s risk can address a project under construction. Umbrella or excess liability can add limits above certain underlying policies. Which pieces matter depends on your operation and contracts.
Businesses we help
Choose the business type closest to yours to see the everyday risks, coverage choices, and information that may matter when you request a quote.
Coverage review for power, controls, alarm, data, communications, and other electrical or low-voltage installation and service work.
Coverage for plumbing crews, service vans, tools, completed work, and the certificate requirements in residential and commercial contracts.
General liability, workers comp, and commercial auto for heating, cooling, and ventilation install and service work.
Crews, equipment, vehicles, chemicals, and liability for gardening, maintenance, irrigation, and landscape installation work.
General liability and workers comp for interior and exterior painters — residential, commercial, and new construction.
Coverage for tile, hardwood, carpet, and flooring crews, including tools, vehicles, jobsite liability, and finished work.
Commercial auto, general liability, and workers comp for flatwork, foundations, and decorative concrete operations.
GL and workers comp for drywall and plaster crews in new build and renovation — sub certificate requirements included.
Built for multi-trade project management — liability, workers comp, subcontractor controls, and completed operations.
Coverage for crews at height, vehicles, tools, hot work, water-intrusion claims, and the contract requirements that come with roofing projects.
Protection for solar installation crews, vehicles, panels and equipment, battery work, and responsibility that continues after a system is installed.
General liability and workers comp for handyman shops and residential remodelers working across many trades.
Insurance for climbers, ground crews, chippers, aerial lifts, service vehicles, falling limbs, and tree care performed near people and property.
Coverage review for crews, heavy equipment, structural work, neighboring property, debris, and potential pollution or hazardous-material concerns.
Cabinet installs, millwork, and finish carpentry crews across residential and commercial new build and renovation.
Coverage
These are common coverages to consider, not a one-size-fits-all package. What makes sense depends on how you operate, your contracts, state requirements, and the policy options available.
Workers’ compensation helps pay covered medical costs and lost wages when an employee is hurt on the job. Cost is commonly based on payroll and job duties, which means a roofer, electrician, and office employee may be treated differently. Keeping payroll and duties accurate can reduce unwelcome surprises at the year-end audit.
Most construction contracts require general liability before work begins. It can address covered third-party injury or property damage, while completed operations may respond to certain claims discovered after the job is finished. The contract may also specify limits and endorsements that should be checked before mobilization.
Work trucks and vans keep crews, tools, and materials moving. Personal auto policies may restrict or exclude regular business use, while commercial auto can address liability and selected damage to covered vehicles. Ownership, drivers, travel distance, and how each vehicle is used all matter.
A standard commercial property policy is generally tied to a listed location. Inland marine—often called a tools and equipment floater—can help protect covered gear while it is in transit or at a jobsite. Depending on the policy, leased or borrowed equipment may also be considered.
Builder's risk can protect a covered structure and materials while construction or renovation is underway. It may address fire, theft, vandalism, and certain weather losses, subject to the policy. The contract or lender often determines whether the contractor or property owner arranges it.
Some commercial contracts require liability limits above the primary general liability, commercial auto, or employers liability policies. Umbrella or excess coverage may provide additional limits after a covered underlying policy is exhausted, subject to its terms.
Coverage examples
A few situations to make coverage concrete. These are illustrations only — not actual claims, and not a guarantee of any coverage outcome.
A plumbing subcontractor’s employee falls from a ladder during a tenant-improvement project, and the general contractor is named in the injury claim over site-safety responsibilities. Keeping current certificates and required endorsements from active subcontractors can help clarify which policies may apply. Actual coverage depends on the policies and facts of the claim.
Months after an electrical contractor finishes a commercial kitchen installation, an alleged wiring fault causes a fire and the property owner files a claim. The completed-operations portion of general liability may respond to covered claims arising from finished work, subject to the policy terms and the facts. Maintaining continuous coverage can matter when claims surface long after closeout.
The claim scenarios above are illustrative examples only. They do not represent actual clients, actual claims, or guaranteed coverage outcomes. Coverage for any specific situation depends on the policy terms, conditions, exclusions, and the facts of the claim.
After coverage starts
Once coverage is in place, BLIS can help with certificates and policy changes. A certificate only summarizes policy information; the policy and insurer-issued endorsements determine the actual coverage.
FAQ
Start with general liability, workers comp, and commercial auto. Workers comp applies once you have employees; commercial auto applies once vehicles do the work. The rest follows your trade, your contracts, and your equipment. Umbrella, an equipment floater, and builder's risk are the common add-ons.
The work is different. A painting crew, roofer, demolition contractor, and arborist use different equipment and face different heights, injury concerns, and potential property damage. Those operational details affect which policies and insurers may be available, so a trade-specific review is more useful than a generic contractor quote.
Workers’ compensation cost is commonly calculated per $100 of payroll, with classifications tied to job duties. A framing carpenter and an office employee generally do not belong in the same class. Keeping payroll records organized by the work actually performed makes the application and year-end audit easier to understand.
Completed operations is the part of GL that can cover certain claims involving finished work. Examples include a wiring fault that causes a fire months later or a construction defect found after renovation. Commercial contracts often require it. Keeping continuous coverage can matter because a policy lapse may affect protection for earlier work.
A subcontractor’s employee or work can pull the general contractor into a claim. Collecting current certificates and contract-required endorsements from active subcontractors helps document who carries what coverage. The amount and type of subcontracted work can also affect your own policy options and cost.
From the insights library
Protect payroll, finished work, tools, vehicles, contracts, and subcontractor relationships with an insurance review built around the way your construction company operates.
Compare workers' compensation requirements, job classifications, payroll, audits, owner treatment, and claims history across BLIS's five licensed states.
Prepare the business description, claims reports, payroll, vehicles, property details, and contract requirements insurers need to consider a quote.
Tell us how your business works and what you want help with. We'll review what you share and let you know what else may be needed.
Coverage availability, pricing, terms, conditions, limits, and eligibility depend on the insurer, state, details of the business, claims history, and policy terms. Nothing on this site guarantees coverage, pricing, approval, or savings.
Illustrative claim scenarios are examples only and do not represent specific claims, predicted outcomes, or coverage guarantees. Whether a specific claim is covered depends on the policy terms, conditions, exclusions, and the facts of the specific situation.
