Jobsite liability
Address certain third-party injury and property damage claims arising from covered operations.
Coverage for contractors and trades
Construction Insurance
Construction businesses face risk at the jobsite, on the road, in the shop, and in every contract they sign. GLG helps contractors, builders, and trades assemble coverage around their work, people, vehicles, equipment, and project obligations.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Projects and equipment
Consider builders risk, inland marine, tools, installation, and equipment exposures.
Contract requirements
Coordinate limits, additional insured requests, certificates, and surety needs.
Common insurance for construction companies
The right program depends on the trade, project types, contracts, workforce, vehicles, equipment, and geographic reach. A construction insurance program may combine several policies.
- Contractor general liability insurance
- Workers' compensation insurance
- Commercial auto insurance
- Builders risk and installation coverage
- Tools, equipment, and inland marine coverage
- Umbrella or excess liability
- License, permit, bid, performance, and payment bonds
What affects construction insurance cost
Carriers evaluate the work being performed and the controls used to manage it. Accurate classifications and complete project information are important to both pricing and coverage.
- Trade and scope of work
- Payroll, revenue, and subcontracted costs
- Residential, commercial, or infrastructure projects
- Project size, height, and location
- Subcontractor agreements and insurance controls
- Claims history, limits, and deductibles
Coverage that follows the contract
Construction contracts often contain insurance specifications that affect limits, endorsements, certificates, and bonds. GLG can review insurance requirements and help identify where a requested term needs carrier approval or different coverage.
Common questions
Construction Insurance FAQ
What insurance does a construction company need?
Many contractors need general liability, workers' compensation, commercial auto, and tools or equipment coverage. Projects or contracts may also require builders risk, umbrella coverage, professional liability, pollution coverage, or surety bonds.
Is construction insurance the same as general liability?
No. General liability is one part of a construction insurance program. Other policies address employees, vehicles, projects under construction, equipment, professional services, and contractual obligations.
Are subcontractors automatically covered?
Not necessarily. Coverage for subcontracted work varies, and policies may include specific requirements or exclusions. Written agreements and subcontractor certificates should be reviewed with the policy.
Talk through your options