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Whether you just pulled your first permit or you're bidding major projects, we shop 60+ construction insurance carriers to find the right coverage at a price that makes sense. You focus on the job. We handle the risk.
Trusted by 60+ carrier partners
Aligned incentive
Most brokers take a percentage of your premium as commission. We charge a flat fee, so our only incentive is finding you the best coverage at the lowest cost.
Never lose a bid to paperwork
We get back to you within the next hour, certificates on demand. Your broker should never cost you a bid.
Predictable audit prep
We adjust coverage throughout the year as your crew and project load change.
Send your current policies and project pipeline. We review operations, sub exposure, and state requirements for gaps and overspend.
Your current policies reviewed for gaps, redundancies, and areas of over- or under-insurance across trades and states.
What you’re paying compared to contractors at your revenue level and trade for equivalent protection.
A clear report with findings and a recommended path forward. We may suggest adjusting coverage, shopping rates, or adding a surety bond program.
These are the exposures that drive contractor insurance claims.
Falls, struck-by incidents, and caught-between hazards drive medical claims and OSHA fines year after year.
Your GL covers damage to client property and neighboring structures, but inadequate limits can leave you paying the difference out of pocket.
Completed-operations claims for leaking roofs, cracking foundations, and similar defects can surface years after the job wraps.
Jobsite theft can halt a project overnight. Inland marine coverage protects tools and equipment on-site and in transit.
Payment disputes, scope disagreements, and mechanic’s liens are routine. Legal defense costs add up fast without the right policy.
Asbestos disturbance, fuel spills, and stormwater violations trigger cleanup costs that standard GL won’t cover.
A coverage program tuned to your trade, your jobs, and the markets that actually want to write them.
Get a quoteEvery policy a contractor needs, shopped across the full market.
Third-party bodily injury and property damage. The foundation of every construction insurance program.
Covers employee injuries on the job. Required in nearly every state.
Trucks, vans, and trailers moving between jobsites every day.
Protects structures under construction from fire, theft, vandalism, and weather.
Higher limits above your GL, auto, and WC for catastrophic claims.
Performance, payment, and bid bonds for licensing and public projects.
Covers tools, equipment, and materials in transit or at jobsites.
Design errors, project management mistakes, and consulting failures.
Need coverage not listed here? Let's talk about your specific exposures.
Every state has different licensing and insurance requirements. We know them all.
CSLB requires a $25K surety bond for all licensed contractors. SB 1455 pushes to 2028 a requirement that all licensees carry workers comp unless they file a no-employee exemption.
No state general contractor license or mandatory workers comp, but most GCs and project owners contractually require both. Specialty trades (electrical, plumbing, HVAC) still require state licenses.
Construction employers must carry workers comp even with just one employee. Hurricane exposure drives unique wind coverage requirements.
Labor Law §240 (“Scaffold Law”) creates absolute liability for gravity-related injuries. Strict additional insured endorsement requirements on COIs.
Workers comp required with 3+ employees. Residential and general contractor licensing handled at the state level.
Monopolistic workers comp state. All WC must be purchased through the Ohio Bureau of Workers’ Compensation, not private carriers.
Chicago and Cook County require proof of GL insurance for all contractor permits. Strict rules on additional insured endorsements.
General contractors must be licensed through the NC Licensing Board for projects over $40,000. Workers comp required for 3+ employees.
Get a free coverage review and risk plan. If your current program is solid, we'll tell you. Either way, you walk away with a free expert opinion.
Your quote
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AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}&ref=ai. A Coverwatch advisor will be in touch within the next hour.
It depends on your trade, revenue, number of employees, claims history, and the states you operate in. A small residential sub might pay $3,000–$8,000/yr total. A mid-size GC with 20 employees could pay $30,000–$80,000/yr across all lines. We’ll give you a clear breakdown in our free coverage review.
At minimum: general liability, workers compensation (if you have employees), and commercial auto (if you have company vehicles). Most GCs also need an umbrella policy, builder’s risk for active projects, and surety bonds for public work. We’ll build a program that matches your specific operations.
We shop 60+ carriers, including specialty construction markets, instead of placing you with one or two. We also turn COIs in hours. Most brokers charge a percentage of your premium. We charge a flat fee, so we’re incentivized to lower your cost.
Generally, no. Your GL policy covers claims arising from your operations, but each sub should carry their own GL and workers comp. If an uninsured sub causes an injury or damage, the claim often flows uphill to the GC. We help you set and verify sub insurance requirements.
If you do public or government work, yes. The federal Miller Act and most state "little Miller Acts" require performance and payment bonds. Many states also require a contractor license bond (California requires $25K, for example). Even for private work, bonds can help you win bids.
We review your current policies and map your risk profile across every trade and state you operate in. Then we check for gaps, redundancies, and premium benchmarks against similar contractors. You get a clear risk plan with specific recommendations.
