Construction Business Insurance

Q: Is liability coverage included in Builder's risk insurance?

No. Builder’s risk insurance primarily covers the structure itself and materials on-site or in transit. It does not include liability coverage, which protects against claims of property damage or personal injury caused by your construction activities. For liability protection, you will need to secure general liability insurance , which is essential for any construction project.

Q: Is workers' compensation insurance mandatory for construction businesses?

Yes. In most states, workers' compensation insurance is a legal requirement if you have employees. This insurance covers medical costs and a portion of lost wages for employees who get injured or become ill as a result of business operations. It can also provides death benefits to family members in the case of a work-related death.

Builders has been an insurance leader in complex construction risks for over 30 years, safeguarding your employees, securing your projects, and protecting your builds with commercial insurance solutions tailored for the unique risks of the jobsite.

Trust a proven expert in workers' compensation, property, and casualty and reach out today.

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Why Coverage Matters for Construction

Construction is a hazardous sector of the economy, and construction sites are dynamic environments where accidents can happen despite the best safety precautions. In this rough line of work, the right insurance not only shields your financial stability, but also your reputation, employee well-being, project fulfillment, and operational continuity.

Ensure Employee Coverage and Compliance

Workers' compensation is not just a legal requirement — it's a vital component in providing stability and certainty for workers. Casualty insurance provides essential benefits to employees injured on the job, protects your business from legal complications, and helps get your injured workers back to work and life again.

Mitigate On-Site Accidents

You cannot prevent every jobsite accident, and it’s only a matter of time before one occurs. Sturdy insurance coverage is crucial for managing the financial repercussions of on-site injuries and property damage, protecting your business against potential lawsuits and liability claims.

Prevent Accidents Proactively

Partner with an insurer with decades of expertise in helping prevent workplace injuries before they happen. At Builders, we promote jobsite safety through our own Builders Safety Academy, providing webinars, accredited OSHA training, and many resources to our agent partners, policyholders, and construction professionals.

Protect Your Materials and Structures

Materials and structures are hefty investments essential for project completion. Insurance, such as builder’s risk, secures these assets in the case of theft, vandalism, and operational damage, ensuring that you can replace or repair crucial materials without jeopardizing your projects.

Minimize the Impact of Unexpected Delays

Construction projects can face delays or halts due to a variety of unexpected events. Business interruption insurance compensates for lost income during these periods, helping your business sustain operations and financial obligations until normal activities resume.

Obtain Essential Project Assurance

Guarantee project fulfillment with a surety bond. This essential tool ensures that your business meets its obligations, providing your clients and partners with peace of mind and bolstering your credibility as a contracting professional.

Specialty Programs & Reinsurance

Elevate your program’s capacity with secure paper backed by world-class reinsurers. Expand your construction insurance market share with controls that keep your program on track for profitability and success!

At Builders, Your Jobsite Matters

Every nail, timber, and joist tells a story about your crew and jobsite. At Builders, we protect both, ensuring your ambitious projects are backed and supported so you can operate with confidence.

Find Your Local Agent

Builders partners with local agents across the nation who can listen to your needs to craft right-fit policies for your business. Find your local agent today!

Oakbridge Insurance Agency, LLC

Alera Group, Inc

Marsh McLennan Agency LLC

WELLS INSURANCE

WICKSTRAND INSURANCE

WORLEY SCHILLING & RANDALL INC

WEAVER INSURANCE & FINANCIAL

WORLD INSURANCE ASSOCIATES LLC

Successful Construction Partnerships

Building Meaningful Connections

Your experience is our priority. Don’t take it from us — our customers voice their satisfaction.

Just wanted to let you know that your team does a great job handling their files. By far, Builders is one of the best carriers we work with. Keep up the excellent work!

Keith

As an agent working with Builders I have been very impressed with the service to my clients. Builders has been quick to respond when my clients have inquired into claims or billing issues.

Canoble

Builders Insurance Group is a trusted partner that I recommend to all of my construction and non-construction clients due to their commitment to service. Few partners match up the way they do!

Josh

Our local Builders Insurance Representative Jennie Douglas is absolutely amazing! We have cultivated a long-standing relationship that we cherish! Her involvement with and support of our local HBA, members and insureds is phenomenal! Thank YOU Jennie and Builders Insurnace for all that you do!

Jill

I have been dealing with Builders for over 20 years. Their customer service exceeds so many in the industry. Their personnel are easy to contact, and are quick with a response. The claims team is 2nd to none. Love working with them.

Dawn

I have worked with Builders for over 30 years. They truly are experts in what they do. Their coverage forms for contractors are outstanding, and they continue to expand their programs. Their online rating is super easy to use. Jennie Douglas and Tami Moore are awesome partners.

Libby

Highly recommended this insurance company! Big enough to handle any size account but small enough to provide personal touch and excellent customer service.

Danny

The entire team at Builders Insurance Group is fantastic to work with. They are a great partner for our agency and are always quick to respond.

Graham

I love working with Builders Insurance Group. Their forms and coverages are top notch, just like their people and my favorite underwriter Tami Moore! The rates are more competitive and their rating system is straight forward. Highly recommend.

Angela

We have worked with Builders Insurance Group for the past 20 years providing their quality insurance products to our clients. Their team consistently provide excellent service and response time. We highly recommend them to you.

Greg

Builders is a valuable agency partner for our independent agency. The underwriters, claims reps, audit department, and marketing managers are PHENOMENAL. They are a pleasure to work with. We are truly grateful for our long standing partnership with Builders!

Jamie

Great Company! As an Agent, they are quick to respond and get anything we need. Very cooperative on the audits and claims. Looking forward to continue working with them.

Lukas

Builders is a company that is not only innovative, responsive, consistent but also a true agency partner. Builders is 100% committed to a providing the highest industry standard for its teammates, partners and their customer base. It is a pleasure to work with the Builders team, and especially with my marketing representative, Jennie.

Kathryn

Builders Insurance is a great company to work with. They always go above and beyond. They are easy to work with and very responsive. It is always a pleasure to work with the wonderful marketing rep, Jennie!

Rachel

Builders is a great agency and client partner who understands the industries they were and provide strong claims service to their insureds and agents.

Michael

Builders is a great company. I have worked with Jennie at Builders for close to 20 years. Our agency is proud to represent Builders Insurance Group.

Joe

Builders is a great partner for our agency. Quick to respond, quality service, great reputation within the industry. Not to mention Jennie is a fantastic marketing rep!

Julianne

Builders Insurance offers products to meet the needs of the construction industry and beyond. In my personal experience, each department (marketing, underwriting, claims, etc..) is a pleasure to work with and strives to provide the best service and product for an insured.

Great partner for our agency. Love working with Jennie, and the Builders team!

Luke

Builders is fantastic insurance company that continues to meet the needs of our clients, especially those in the construction industry. Their team of insurance professionals continually provide excellent service in a timely fashion.

John

Builders is a wonderful company to work with. Their expertise in the construction industry is second to none and they are staffed with knowledgeable highly attentive personnel. Pleasure to do business with!

Aaron

Jenny D and Mike H are great to work with!

When Builders Insurance Group came into Florida as an insurance, it has been a complete pleasure dealing with them. The underwriters are so responsive and knowledgeable, their claims team is always ready to assist and their auditing team is always ready to educate and make sure that the client knows what is needed. This truly is a great insurance carrier.

Michelle

I work at an independent agency with 25+ years of working with Builders. Builders has always provided competitively priced products with exemplary claim service.

Charles

Builders has a great team and they are easy to work with!

James

Builders Insurance Group is a strong partner that stands by its insurance customers in their time of need. Our agency is proud to work with them to help deliver outstanding customer service and peace of mind. We can’t thank the Builders Insurance team enough for all they do.

Brian

As a commercial agent, I enjoy placing my construction accounts with Builders. They are easy to work with, great products and pricing.

Steven

As an Independent Agent, Builders Insurance Group is a vital partner in our success of adequately insuring our customers and offering them a company with the highest level of customer service. Builders is a trustworthy company with knowledgeable staff, a broad policy form, and excellent customer service.

Hanson

Builders continues to offer first class products and services to all of our policyholders in our agency. We can't thank them enough for the job that they do serving our agency and our insureds!

Hogan

I had a work related injury, and the staff here have been super. Jan went above and beyond to help and make sure I was ok. I can't thank her enough.

Joseph

Builders is a fine insurance company with a tremendous team. It is a pleasure to work with them.

Chris

Find Out More About Insurance in Construction

Answer your construction insurance queries: clearing the fog on policies, claims, and coverage.

What type of insurance covers a structure during construction?

Builder’s risk insurance is specifically designed to cover buildings under construction. It insures the structure in the case of risks such as fire, weather damage, theft, and vandalism until the project is completed and handed over. This insurance is crucial for construction projects to ensure financial security from unforeseen incidents that could impact the construction timeline and budget.

Is liability coverage included in Builder's risk insurance?

Can additional coverage be added to a Builders' risk insurance policy?

Yes. Additional coverage can often be added to a builder’s risk policy to meet the specific needs of a construction project. This might include coverage for soft costs like architectural fees, or extended coverage for the testing of installed equipment. Tailoring your policy with additional coverages can provide a wide safety net for your construction project.

By understanding and selecting the right types of insurance, construction professionals can secure their projects, minimize financial risks, and ensure smooth operational flow. Reach out to us and we can help you navigate which coverage you may need to add to your policy.

Can I adjust my insurance coverage as my construction business grows?

Yes. It’s essential to review and adjust your insurance coverage regularly as your business evolves to ensure your premium remains accurate. Your insurance needs may change as you take on larger projects, hire more employees, or expand your services. Because we calculate your workers’ compensation and general liability premiums using exposure on variables like payroll, we conduct seamless annual audits. A review of your payroll records for the expired year will be conducted within 60 days of the end of your policy term, and your Builders auditor will reach out 1-2 weeks before your scheduled audit appointment. To begin that conversation with an insurer that excels in painless audits, reach out to us today.

Is workers' compensation insurance mandatory for construction businesses?

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