Construction Insurance

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How Construction and Insurance Connect:

Few industries are as important as the construction industry. Construction workers, managers, and companies make it possible to do business, live, and get from place to place.

Construction can be a high-risk career path. From dangerous tools to dangerous heights, there are an almost countless number of ways one can get injured while performing construction work. While few industries take safety procedures as seriously as construction, accidents can and do still occur.

All construction companies need to purchase several types of insurance. To simplify the process, read on to discover the insurance policies most relevant to the construction industry.

Who Needs Insurance?

  • Every Construction Company

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When Will You Need...

Commercial Property

You’ll Need This When…

You first open your business. Most construction companies own extremely expensive equipment. The loss of this equipment can occur starting on day 1.

For Example…

A break-in on your property could result in the loss of thousands of dollars in equipment. A Commercial Property Insurance policy will cover this instance and similar situations.

General Liability

You’ll Need This When…

Your business begins operations. While construction companies rarely have clients come to their physical offices, it is not uncommon for construction companies to accidentally damage property during normal business operations.

For Example…

If a worker accidentally scrapes a car on the street with a piece of heavy equipment, your company will be liable for the damage. A General Liability Insurance policy will likely cover this type of property damage.

Workers Compensation

You’ll Need This When…

You first begin construction work for clients. Even the smallest construction job could result in an injury for one of your employees.

For Example…

An employee who falls from a ladder while retiling a roof will qualify for Workers Compensation. If your business does not have this policy, that worker may sue the company for loss of income due to the injury. In most cases, he will be successful, drawing a payout directly from your business. A Workers Compensation policy covers this and any other injuries that are a direct result of performing work for your company.

How Much Does Insurance Cost?

The size of your company, the number of employees and where you do business will all have an impact on the cost of your insurance. Get a quote to get a better idea of how much insurance for your company will cost.

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