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Workers' Comp, Auto, General Liability Insurance & More

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Progressive The Hartford Travelers Insurica Gallagher

Coverage Options for Construction Companies Include

  Additional Insured Coverage:   YES
  Free Certificates:   YES
  Multiple Payment Options:   YES     (Pay in Full OR Payment Plans)
  Low Down Payments:   YES     (Flexible Payment Options)
  Coverage Limit Minimum:   $2,000,000 / $2,000,000 / $1,000,000


According to the Associated General Contractors of America (AGC), the construction industry has more than 650,000 employers with over 6 million employees. Your line of work creates almost $1 trillion worth of structures each year. “A study performed for AGC by Professor Stephen Fuller of George Mason University found that an extra $1 billion in nonresidential construction spending adds about $3.4 billion to Gross Domestic Product” (AGC). As you know, owning and operating a construction business is an exciting, rewarding, and often challenging endeavor. You have the ability to coordinate and supervise the work at construction sites from early development to final product. Your work is extremely valuable and important to our nation. Let us help you protect your prized business with the best possible coverage.

Figuring out what coverage to have in place and what limits are needed is a real balancing act. On one hand, proper insurance for construction companies is necessary to reduce the risk. On the other hand, unaffordable and unrealistic premiums are also not in your best interest as a construction business owner.  

If your construction business is like most small businesses, you probably don’t have a full-time risk manager to answer your liability insurance or workers' compensation insurance questions. So where to start? It may make sense to focus your research on three common types of construction business insurance coverage: general liability, property and workers' compensation insurance. 

Once you know what questions to ask, it’s much easier to select optimal construction business insurance coverage and general liability insurance limits. It’s also important to understand that construction companies insurance rates will vary depending on your business’s needs and the work your construction business performs.

Property and casualty insurance covers building and property against damage, theft, and other causes such as a fire. The contents and furnishing, as well as most inventories, are covered. It is important to determine rebuilding costs, restocking costs, and relocation costs if the incident could require it.

Comprehensive general liability insurance coverage protects you in the event of claims of bodily injury or physical injury or damage to property. This includes legal defense and settlements up to the limits of the policy. Check with your industry association and the state department of insurance to determine types of claims and what settlements are awarded. In addition, professional liability insurance may be needed if your construction business offers design-build or engineering. Again, both the industry and the state department of insurance can help in determining the proper limits.

Workers' compensation limits and minimum coverage are generally determined by your industry and state. If you have employees, there is a need for workers' compensation insurance for your construction business.

The key is to work with a licensed insurance professional you trust to develop a comprehensive insurance package for your construction business. Eligible construction companies can purchase property insurance packaged together with general business liability insurance coverage in a single policy called a Business Owner’s Policy. Such combined policies are generally available at reasonable small-business rates. Your licensed insurance professional may make this recommendation to you.

Let us help you find protection for your business and keep your mind at ease. At CommercialInsurance.Net, our mission is to help medium and small businesses manage risk by finding business insurance quotes at a reasonable price. To get a competitive insurance quote it is fast and easy, enter your zip code and click “Get Quote.” One of our specialists will contact you soon.


I had to renew plow insurance. Let’s just say it isn’t easy, so many strings attached. But Commercial Insurance stepped in and helped me out. They found a policy that would work. Thanks guys!
Jason Perez
Great! Fast service at a great price. Needed a business insurance provider the same day for a company I work with. They had the quote to me within minutes and policy up and running shortly after. Would recommend highly!
Andrew Moran
This insurance purchase for my business was the most seamless phone encounter I have ever had in any phone purchase process bar none. Information was requested once and moved smoothly from one person to the next as we moved thru the purchase. Each person I dealt with was friendly, professional, and focused on determining my needs and the best way to match me up with the solution. Absolutely stellar!!!
Edward Green