What insurance does a construction company need?

General liability, builders risk for active projects, workers compensation, commercial auto, and inland marine for equipment. Many also need umbrella liability and professional liability for design-build work.

Does builders risk cover existing structures?

No, builders risk only covers new construction and renovations during the active construction period. Existing structures need separate property coverage.

Can I cover my subcontractors under my policy?

We do not recommend it. Each subcontractor should carry their own coverage. We help you verify their certificates and add contingent coverage for gaps.

How much does construction company insurance cost?

Costs vary widely by project size, payroll, and equipment value. A small residential builder might pay $5,000-10,000/year while a commercial general contractor with multiple projects could pay $50,000+.

Construction Companies insurance coverage for businesses across Alabama, Georgia, Florida, Tennessee and Mississippi

General Contractor Coverage

Construction Company Insurance

Construction companies manage complex projects with multiple subcontractors, heavy equipment, temporary structures, and workers at heights. Our construction insurance programs combine general liability, builders risk, inland marine for equipment, workers compensation, and commercial auto into one comprehensive package that protects every phase of your projects from groundbreaking to final walkthrough.

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What Coverage May Include

Coverage For Construction Companies

Every policy we write for construction companies includes these core protections, customized to your specific operation.

General Liability Insurance

covers third-party injury and property damage claims from construction operations and job site activity

Builders Risk

protects structures under construction against fire, wind, theft, vandalism, and water damage before project handover

Inland Marine & Equipment

covers excavators, bulldozers, scaffolding, and tools at the job site, in transit, and at temporary locations

Workers Compensation

required coverage for construction crews that pays medical bills and lost wages for job site injuries

Commercial Auto

covers dump trucks, work pickups, and material transport vehicles used between job sites and supply yards

Subcontractor Default Insurance

protects against financial loss when a subcontractor fails to complete work or breaches contract terms

The Independent Advantage

Why Construction Companies Choose Us

Project-Specific Policies

We can write builders risk and liability coverage on a per-project basis with named insureds that match your general contractor agreements.

Equipment Valuation Expertise

We ensure your heavy equipment is insured at replacement cost, including attachments and specialized tools that standard policies undervalue.

Subcontractor Coordination

We review certificates of insurance from all your subs and identify gaps that could expose you to vicarious liability on multi-contractor projects.

Ready to Get Covered?

We compare rates from 30+ A-rated carriers to find the best coverage at the most competitive price for your construction companies operation.

Call (205) 352-2335

Common Questions

Frequently Asked Questions

Protect Your Construction Business

Comprehensive coverage for builders and general contractors across the Southeast.

Call (205) 352-2335