Construction projects involve significant investments, tight schedules, and countless moving parts. From job site accidents and equipment damage to contractual obligations and liability exposures, contractors face risks every day. At Brock-Norton Insurance Agency, we help protect construction businesses with customized insurance solutions designed specifically for commercial contractors and construction professionals.
Whether you're a general contractor, subcontractor, builder, developer, or construction manager, our team can help you find the right coverage to keep your projects moving forward with confidence.
Whether you're a general contractor, subcontractor, builder, developer, or construction manager, our team can help you find the right coverage to keep your projects moving forward with confidence.
What Is Construction Insurance?
Construction Insurance is designed to protect contractors, construction firms, and related businesses from the financial risks associated with building projects. Coverage can help safeguard your company from property damage, injuries, lawsuits, equipment losses, and other unexpected events that could impact your operations.
Because every contractor and project is unique, insurance coverage should be tailored to your specific trade, project size, workforce, and contractual requirements.
Because every contractor and project is unique, insurance coverage should be tailored to your specific trade, project size, workforce, and contractual requirements.
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In addition to your standard underlying coverage, we can help you with complex policies specific to your needs:
Contractors Professional Liability Employers Liability & Stop Gap Coverage Defense Base Act Products & Completed Operations Liability Payment & Performance Bonds Licensing Bonds Pollution & Environmental Liability Clean Energy/Tech Hired and Non-Owned Auto Commercial Auto & Fleet Coverage General Liability Insurance Commercial Property Insurance Builders Risk Insurance Workers' Compensation Insurance Commercial Auto Insurance Inland Marine Coverage Contractor's Equipment Coverage Umbrella Liability Insurance Professional Liability Insurance Employment Practices Liability Insurance (EPLI) Cyber Liability Insurance Pollution Liability Coverage Surety Bonds Installation Floater Coverage |
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Who Needs Construction Insurance?
Construction Insurance can benefit a wide range of construction professionals, including:
Whether you manage large commercial developments or smaller construction projects, having the proper insurance protection is essential to protecting your business, employees, and reputation.
- General Contractors
- Commercial Builders
- Construction Managers
- Developers
- Design-Build Firms
- Excavation Contractors
- Concrete Contractors
- Electrical Contractors
- Plumbing Contractors
- HVAC Contractors
- Roofing Contractors
- Framing Contractors
- Site Preparation Contractors
- Specialty Trade Contractors
Whether you manage large commercial developments or smaller construction projects, having the proper insurance protection is essential to protecting your business, employees, and reputation.
How We Can Help
At Brock-Norton Insurance Agency, we understand the complexities of the construction industry. Our experienced team works with contractors to identify potential risks and develop insurance programs that align with their business goals and project requirements.
We can help you:
As an independent insurance agency, we work with multiple insurance carriers to help you find comprehensive coverage options at competitive rates.
We can help you:
- Meet contract insurance requirements
- Protect equipment and job site assets
- Manage liability exposures
- Secure required bonds
- Protect employees and subcontractors
- Minimize coverage gaps
- Review coverage as your business grows
As an independent insurance agency, we work with multiple insurance carriers to help you find comprehensive coverage options at competitive rates.
Why Contractors Choose Brock-Norton
- Personalized service and local expertise
- Access to multiple top-rated insurance companies
- Industry-specific insurance solutions
- Competitive pricing options
- Responsive claims assistance
- Experienced commercial insurance professionals
- Quick responses to certificate requests
- Assistance with policy audits
We understand the challenges contractors face and are committed to helping protect your business from the unexpected.
Common Risks Contractors Face
Even the most experienced construction companies encounter risks that can impact profitability and project timelines, including:
Having the right insurance program in place can help your business recover quickly when unexpected events occur.
- Job site injuries
- Property damage claims
- Equipment theft or vandalism
- Vehicle accidents
- Subcontractor liability issues
- Construction defect claims
- Third-party bodily injury claims
- Lawsuits and legal expenses
Having the right insurance program in place can help your business recover quickly when unexpected events occur.
Why Insurance Matters in Construction
Every construction project comes with risks that can threaten your business, reputation, and financial stability. A single accident, property damage claim, or equipment loss can result in significant expenses and project delays.
Construction Insurance provides a critical safety net, helping contractors manage unexpected events while meeting contractual obligations and protecting their long-term success.
At Brock-Norton Insurance Agency, we help contractors navigate these risks with customized insurance solutions built around their operations.
Construction Insurance provides a critical safety net, helping contractors manage unexpected events while meeting contractual obligations and protecting their long-term success.
At Brock-Norton Insurance Agency, we help contractors navigate these risks with customized insurance solutions built around their operations.
Protecting Your Business at Every Stage of the Project
Insurance plays an important role throughout the entire construction process—from the initial planning phase to project completion.
Our coverage solutions can help protect:
No matter where you are in the construction process, we'll help ensure you have the coverage needed to keep your projects moving forward.
Our coverage solutions can help protect:
- Pre-construction planning activities
- Active construction sites
- Building materials and supplies
- Contractor-owned equipment
- Temporary structures
- Completed operations
- Employee safety and well-being
- Company vehicles and transportation
No matter where you are in the construction process, we'll help ensure you have the coverage needed to keep your projects moving forward.
Meeting Contract and Bid Requirements
Many project owners, lenders, and municipalities require contractors to carry specific insurance coverages before work can begin.
We can help you secure coverage that satisfies common requirements such as:
Our team understands construction insurance requirements and can help you stay compliant while remaining competitive when bidding on new projects.
We can help you secure coverage that satisfies common requirements such as:
- General Liability limits
- Additional Insured endorsements
- Certificates of Insurance
- Workers' Compensation coverage
- Builders Risk policies
- Umbrella Liability protection
- Surety Bonds
Our team understands construction insurance requirements and can help you stay compliant while remaining competitive when bidding on new projects.
Coverage for Contractors Large and Small
Whether you're operating a growing business with a handful of employees or managing multiple crews across several job sites, we can help design an insurance program that fits your needs.
We work with:
As your business grows, we'll review your insurance program to help ensure your protection grows with it.
We work with:
- Small construction businesses
- Mid-sized contractors
- Large commercial builders
- New and emerging contractors
- Family-owned construction companies
- Multi-state operations
As your business grows, we'll review your insurance program to help ensure your protection grows with it.
Equipment and Tool Protection
Your equipment and tools are essential to your business operations. When equipment is damaged, stolen, or lost, project timelines and profitability can suffer.
Coverage options may help protect:
We'll help you evaluate your equipment exposures and determine the appropriate level of protection.
Coverage options may help protect:
- Heavy machinery
- Excavators and loaders
- Backhoes and skid steers
- Power tools
- Surveying equipment
- Generators
- Compressors
- Temporary job site equipment
We'll help you evaluate your equipment exposures and determine the appropriate level of protection.
Safety and Risk Management Solutions
Insurance is only one part of protecting your construction business. Strong safety practices can help reduce accidents, claims, and downtime.
Our agency can help identify risk management opportunities related to:
Reducing risk today can help improve your company's long-term success and profitability.
Our agency can help identify risk management opportunities related to:
- Job site safety procedures
- Employee training
- Fleet safety programs
- Equipment maintenance
- Claims prevention strategies
- Return-to-work programs
Reducing risk today can help improve your company's long-term success and profitability.
Industries We Serve
We proudly help insure contractors working in a variety of construction sectors, including:
No matter the type of project, we'll help you find insurance solutions designed for your industry.
- Residential Construction
- Office Construction
- Retail Construction
- Industrial Construction
- Healthcare Facilities
- Educational Facilities
- Hospitality Projects
- Multi-Family Housing
- Government Projects
- Mixed-Use Developments
- Warehousing and Distribution Facilities
No matter the type of project, we'll help you find insurance solutions designed for your industry.
Frequently Asked Questions
What insurance does a general contractor need?
Most general contractors carry General Liability, Workers' Compensation, Commercial Auto, Builders Risk, and Umbrella Liability coverage. The exact coverage needed depends on the size of the business, project scope, and contractual requirements.
Is Builders Risk Insurance required?
Many project owners and lenders require Builders Risk coverage before construction begins. This coverage helps protect structures and materials during the building process.
Can subcontractors be covered under my policy?
Coverage requirements vary depending on your operations and contracts. We can help review your subcontractor relationships and identify appropriate risk management solutions.
How much does contractor insurance cost?
Premiums vary based on factors such as payroll, annual revenue, project size, trade classification, claims history, and coverage limits.
Most general contractors carry General Liability, Workers' Compensation, Commercial Auto, Builders Risk, and Umbrella Liability coverage. The exact coverage needed depends on the size of the business, project scope, and contractual requirements.
Is Builders Risk Insurance required?
Many project owners and lenders require Builders Risk coverage before construction begins. This coverage helps protect structures and materials during the building process.
Can subcontractors be covered under my policy?
Coverage requirements vary depending on your operations and contracts. We can help review your subcontractor relationships and identify appropriate risk management solutions.
How much does contractor insurance cost?
Premiums vary based on factors such as payroll, annual revenue, project size, trade classification, claims history, and coverage limits.
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The Department of Labor's Occupational Safety and Health Administration has many resources to keep you and your staff healthy and on the job. Click on the logo for the "Tip of the Week", to learn how to report workplace injuries and illnesses, understand the inspection process or to order job safety posters.
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Our partners at Builders Mutual Insurance Company have more than 3 decades of experience in the construction industry. Take a look at their blog posts to learn more about employee culture, growing your business and even equipment reviews.
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Get a Construction Insurance Quote Today
Whether you're an established general contractor, a growing construction company, or a specialized trade contractor, Brock-Norton Insurance Agency can help you build an insurance program that protects your business and supports your success.
Contact our team today to request a Construction & General Contractor Insurance quote and learn more about the coverage options available for your business.
Contact our team today to request a Construction & General Contractor Insurance quote and learn more about the coverage options available for your business.