Construction & Specialty Trade Insurance

Contractors do not all share the same risk. Trade, project type, height, excavation, hot work, subcontracting, fleet, equipment and contractual obligations can completely change the insurance program.

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Start with your operation, then dig into the coverage issues that matter most to the way you actually work.

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General Contractors

Subcontractors, contracts, builders risk and completed operations.

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Roofing Contractors

Height, hot work, weather and long-tail property damage.

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Plumbing Contractors

Water damage, underground work, tools and completed operations.

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HVAC Contractors

Installation, service, refrigerants, controls and rooftop work.

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Electrical Contractors

Fire, controls, low voltage, fleet and completed operations.

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Excavation & Site Work

Utility strikes, heavy equipment, hauling and pollution.

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Mechanical Contractors

Piping, HVAC, process systems, rigging and hot work.

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Welding & Fabrication

Shop and field work, structural welding, products and hot work.

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Concrete & Masonry

Structural work, pumping, heavy equipment and workers comp.

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Industrial Contractors

Plant work, shutdowns, maintenance and critical systems.

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Contractors Equipment & Inland Marine

Tools, mobile equipment, rented equipment and job-site property.

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Installation Floater

Materials in transit, storage and awaiting installation.

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Builders Risk

Project property, existing structures, delay and responsibility.

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Subcontractor Risk Transfer

Contracts, additional insureds, waivers and compliance.

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Commercial Auto & Fleet

Vehicles, drivers, trailers and hired/non-owned auto.

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Contractors Pollution Liability

Spills, mold, contaminants and environmental releases.

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Completed Operations

Claims that emerge after the project is finished.

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The contract can be as important as the job site.

Completed operationsClaims can emerge long after a project is finished.
Risk transferIndemnity, additional insured and waiver requirements can shift responsibility among parties.
Mobile propertyTools, materials and equipment move between yards, vehicles and job sites.
Fleet & job-site severityDriving, heavy equipment, height, excavation and hot work can create high-severity losses.

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