Skip to content
Search
Client portal (opens in a new tab)Call 1-800-777-1TSAGet started

Construction & Contractors Insurance

Your responsibility for a job may continue after the crew leaves. Coverage for completed work deserves attention alongside the tools, people, and project property needed to finish it.

The Southern Agency can help you consider your trades, projects, and subcontracting arrangements when comparing insurance.

Explore insurance for 188 business types.

Request a Construction & Contractors quote Call 1-800-777-1TSA Contact an agent

Find your business

Timber framing, diagonal bracing and a large opening at a residential construction site.

Operations within this group

You may build new properties, renovate interiors or carry out a specialist trade. Working near other people and property can lead to injury or damage claims, while stolen equipment or damaged materials can delay your next job.

The Southern Agency can review your trades, projects, and subcontracting arrangements to help you choose insurance. We can discuss site and completed-work liability alongside portable equipment or project-property protection, keeping contract bonds as a separate obligation.

Find your business

Choose your business type to discuss insurance with The Southern Agency. If it isn’t listed, call an agent to ask whether we can place it.

  1. Acoustical and Soundproofing ContractorYou install acoustic ceilings and wall panels in finished studios or offices.
  2. Airport Runway ConstructorYou pave and light active airfields where crews must fit into tight safety plans between aircraft operations.
  3. Alarm ContractorAlarm contractor insurance considers installation damage, failure-to-signal claims, monitoring arrangements, customer credentials and mobile tools or panels.
  4. Apartment Complex DeveloperYou manage the full lifecycle of a multifamily development, from financing and site preparation to construction and leasing.
  5. Asbestos Removal ContractorYou perform hazardous material abatement, setting up containment, removing asbestos-containing materials and managing waste.
  6. Asphalt Repair ContractorAsphalt repair insurance considers live traffic, lot reopening, hot or cold materials, sealant releases, mobile paving equipment and crew injuries.
  7. Automatic Sprinkler ContractorYou design, install and service life-safety fire suppression systems in commercial and multifamily buildings.
  8. Boiler ContractorYou install, repair and service pressurized, fuel-fired combustion equipment in commercial and industrial settings.
  9. Breakwater Construction ContractorYou place armor stone and concrete units to build offshore barriers, working with barges, tugs and cranes in tidal waters.
  10. Bricklayer ContractorYou construct masonry walls and facades, often working from scaffolds at height.
  11. Bridge Construction FirmInsurance for bridge erection and rehabilitation, from temporary supports and girder lifts to over-water duties and allegations about erection engineering.
  12. Bridge ContractorBridge contractor insurance separates public traffic liability, crews and equipment from bridge work in progress, waterway releases and contract bonds.
  13. Building Raising or Moving ContractorYou relocate or elevate structures using hydraulic jacks, steel beams and dollies, whether for flood mitigation or site-to-site transit.
  14. Burglar Alarm ContractorYou design, install and service intrusion detection systems, running low-voltage wiring and mounting sensors, control panels and cameras.
  15. Caisson or Cofferdam ContractorInsurance for deep-foundation excavation including flooding and sediment release.
  16. Carpentry Construction ContractorInsurance for structural framing work including falls, lifting, and workmanship risks.
  17. Carpentry and Finish Trim ContractorInsurance for finish carpentry including material handling and premises damage.
  18. Carpet Installation ContractorInsurance for flooring installation including trip hazards and property damage.
  19. Ceiling Installation ContractorInsurance for overhead ceiling installation including fall and falling-object risks.
  20. Chimney Sweep ContractorInsurance for chimney cleaning and inspection including fire safety and rooftop falls.
  21. Cleaning ContractorInsurance for janitorial services including slip-and-fall and property access risks.
  22. Commercial General ContractorInsurance for commercial general contractors including site management and subcontractor risk.
  23. Commercial Office BuilderInsurance for office building construction including falling glass and high-value materials.
  24. Concrete Construction ContractorInsurance for concrete placement crews, mobile equipment, and liability after a project is finished.
  25. Concrete Cutting ContractorYou use diamond-blade, wall and wire saws to create openings in slabs, foundations and decks, where a hidden utility strike or structural compromise can jeopardize your project.
  26. Concrete Formwork ContractorFormwork insurance separates reusable forms and shoring from project property, crew injuries and allegations about a blowout or temporary-works design.
  27. Concrete Foundation ContractorYou manage excavation, reinforcement and pouring for critical building foundations, where soil movement or water intrusion can cause long-term structural issues.
  28. Concrete Pumping ContractorConcrete pumping insurance considers road-going rigs, boom and hose liability, machinery damage and the separate costs of an interrupted pour.
  29. Concrete Repair ContractorYou restore structures through patching, resurfacing and chemical sealing, often working in occupied spaces where your materials or equipment could pose risks to customers.
  30. Conduit Construction ContractorYou install underground conduit systems through trenching and boring, often working near live utilities where a strike can interrupt regional services.
  31. Core Drilling ContractorCore drilling insurance considers concealed services, post-tension work, slurry reaching occupied floors below and the rigs and operators making each opening.
  32. Crane Service ContractorYou operate cranes for hoisting heavy materials, where an overloaded machine or power-line contact can result in catastrophic injury and damage to the load.
  33. Custom Fence ContractorYou design and install fencing and gates, where a misplaced post could damage a buried line or an automated gate could injure a bystander.
  34. Custom Home ContractorCustom home insurance considers selected finishes, homeowner-supplied materials, changing specifications and liability for the building work and advice you actually provide.
  35. Custom Metalwork and Ornamental Iron ContractorInsurance for the railings, stairs, and gates you fabricate and install.
  36. Cutting ContractorInsurance for concrete cutting, core drilling, and the property around each cut.
  37. Dam and Reservoir BuilderInsurance for dam earthwork, reservoir construction and the risks of holding back water.
  38. Dam or Lock Construction ContractorInsurance for dam and lock projects, from temporary diversions through gate installation.
  39. Debris Removal ContractorInsurance for clearing damaged sites, loading debris, and hauling it away.
  40. Deck and Patio ContractorInsurance for building outdoor spaces and the work your customers use after you leave.
  41. Decorative Concrete ContractorInsurance for stamping, staining and polishing concrete at customers' properties.
  42. Demolition ContractorInsurance for controlled teardown, nearby property and the crews doing the work.
  43. Dirt Hauling ContractorInsurance for dump-truck operations, from the borrow pit to the tipping point.
  44. Dock Construction ContractorInsurance for building and repairing docks, piers, bulkheads, and boat lifts.
  45. Door and Window Installation ContractorDoor and window installer insurance separates fragile units and lifting gear from crew injuries, opened-wall damage and water claims after handoff.
  46. Dredging ContractorDredging insurance distinguishes floating plant and shore gear, submerged-utility liability, sediment placement, fuel releases and the legal status of crews.
  47. Drilling ContractorDrilling insurance considers the actual bore method, buried services, fluids and groundwater, mobile rigs and downhole tools—not only the cost of a stopped job.
  48. Drywall ContractorDrywall insurance distinguishes sanding-dust claims, crew falls, mobile taping tools and shop stock from finish correction or damage caused by following trades.
  49. Drywall and Insulation ContractorDrywall and insulation insurance reflects your actual board, batt, blown-in or foam work, crew duties, mobile equipment and occupant complaints.
  50. Electrical ContractorYou perform complex electrical work in various buildings, where energized systems and wiring errors present long-term liability for fire or shock.
  51. Electrical Wiring ContractorElectrical wiring insurance considers fire or shock after handoff, actual circuit-design duties, energized work and the testing gear moving between projects.
  52. Elevator ContractorElevator service insurance considers actual maintenance and inspection duties, passenger allegations between visits, pit or car-top crews and mobile diagnostic gear.
  53. Elevator and Escalator Installation ContractorElevator and escalator installation insurance distinguishes staged components, rigging and shaft crews from later passenger injury and actual commissioning duties.
  54. Energy Efficiency Retrofit ContractorYou audit and upgrade buildings for energy efficiency, where you provide both technical advice and multi-trade installations.
  55. Epoxy Flooring ContractorInsurance for contractors preparing concrete and applying resinous floor coatings.
  56. Excavation and Site Preparation ContractorYou perform earthmoving tasks such as clearing land, grading, and trenching, often working near buried utilities or unstable ground.
  57. Exterior Insulation and Finish System and EIFS ContractorInsurance for EIFS applicators managing moisture and exterior insulation risks.
  58. Fence Erection ContractorFence erection insurance considers digging or driving posts, private utilities, boundary approvals, roadside crews and materials or machines left between visits.
  59. Fire Alarm ContractorYou install and maintain life-safety systems, where a programming error or a missed inspection could mean a system fails when it is needed most.
  60. Fire Hydrant ContractorYou perform heavy underground work, including tapping into pressurized municipal water mains and excavating in public rights-of-way.
  61. Fire Protection System Installation ContractorYou design and build pressurized suppression systems, which involves running piping above occupied spaces and certifying systems to safety standards.
  62. Fire Restoration ContractorYou work in damaged, contaminated environments to clean up smoke, soot, and water, often while maintaining custody of a customer's salvageable property.
  63. Fixtures Installation ContractorYou anchor shelving and display cases in retail environments, where a mistake during installation could result in damage to the store's interior or injuries to customers.
  64. Floor Covering Installation ContractorFloor covering installer insurance considers substrate moisture, carpet or resilient materials, moved appliances, surrounding finishes and mobile seam tools.
  65. Flooring ContractorFlooring insurance distinguishes tile or finish correction from resulting harm, dust reaching other rooms, crew exposure and mobile grinding or sanding equipment.
  66. Furniture Installation ContractorYou deliver and assemble office furniture, often moving heavy items through finished lobbies and offices.
  67. Gas Main Construction ContractorYou excavate and install pressurized gas distribution lines, tying into live systems.
  68. General ContractorGeneral contractor insurance considers self-performed and subcontracted work, owner agreements, project property and later defect allegations—not just certificates.
  69. Glass Dealer and Glaziers ContractorYou sell and install glass products like shower doors and mirrors, often involving shop cutting and field installation.
  70. Glass and Glazing ContractorYou install architectural glass in projects ranging from storefronts to high-rise facades.
  71. Grading ContractorGrading insurance considers approved cuts and fills, neighboring foundations, buried services, water and sediment paths and the machines shaping the site.
  72. Granite Top ContractorYou fabricate and install heavy stone countertops in homes and businesses.
  73. Gravel Hauling ContractorYou transport heavy loads of aggregate and fill, navigating highway traffic, quarries, and tight job sites.
  74. Green Building Installation ContractorGreen building installer insurance separates resulting roof or electrical damage from defined design duties, incentive paperwork and energy-performance promises.
  75. Guardrail ContractorInsurance for crews installing roadside guardrails, median barriers, and crash cushions.
  76. Gutter Installation ContractorInsurance for gutter installation, roof-edge work, and water-related damage claims.
  77. Guttering ContractorInsurance for guttering services including installation, cleaning, and repair.
  78. HVAC ContractorInsurance for HVAC service and installation work, from customer equipment to rooftop lifts and completed systems.
  79. Hardwood Flooring ContractorInsurance for contractors installing, sanding, and refinishing hardwood floors.
  80. Heating and Air Conditioning ContractorInsurance for residential HVAC technicians performing installations and service calls.
  81. Highway ContractorHighway contractor insurance considers changing work zones, subcontracted traffic duties, buried utilities, corridor equipment and actual public-project obligations.
  82. Homebuilding ContractorHomebuilder insurance considers homes and materials in progress, self-performed and subcontracted trades, buyer warranties and later resulting-damage claims.
  83. Hotel and Motel DeveloperInsurance for developers building and managing branded lodging projects.
  84. Industrial Boiler ContractorInsurance for industrial technicians working on pressurized steam and boiler systems.
  85. Industrial Coating ContractorCoverage for contractors applying protective coatings and linings in industrial plants.
  86. Industrial Warehouse ConstructorYou build large-scale distribution centers and warehouses, a process that involves heavy lifting, structural steel work, and fast-paced site management.
  87. Installation or Repair ContractorInstallation or repair insurance considers the systems you actually service, customer items in your care, surrounding finishes, mobile tools and later resulting harm.
  88. Institutional Building ContractorYou renovate or build schools, hospitals, and public facilities, often working in sensitive, occupied areas.
  89. Insulated Metal Panel ContractorInsulated metal panel insurance considers oversized loads through lifting and fastening, work at height, later moisture damage and separate panel or rigging interests.
  90. Insulation ContractorInsulation insurance considers your actual batt, loose-fill or foam work, attic and crawlspace crews, odor allegations and material correction versus resulting harm.
  91. Interior Decorators ContractorInterior decorator insurance considers your recommendations, sourced or customer-owned pieces, studio stock and custody through delivery, staging and fitting.
  92. Interior Finishing ContractorInterior finishing insurance considers dust and overspray reaching other trades' work, elevated crews, mobile spray equipment and resulting harm versus finish callbacks.
  93. Interior Trim Carpentry ContractorInterior trim insurance considers customer-specific measurements, shop-made or supplied millwork, saws and nailers and damage to surrounding finished interiors.
  94. Iron or Steel Erection ContractorYou set heavy structural steel beams, joists, and columns for construction projects, requiring complex crane lifts and work at height.
  95. Irrigation or Drainage System ContractorYou install buried infrastructure to control water, such as sprinkler lines, culverts, or subsurface drains, which involves digging and trenching near existing utilities.
  96. Janitorial Service ContractorJanitorial insurance separates wet-floor liability, chemical or surface damage, client-theft allegations and lost-key costs across the facilities your crews enter.
  97. Jetty or Breakwater Construction ContractorJetty and breakwater insurance distinguishes shore crews from vessel crews, floating plant from stone under construction, and sediment or fuel response from permit compliance.
  98. Land Subdivision DeveloperYou acquire raw land and perform site improvements like grading, utility installation, and road building before selling finished lots.
  99. Landscape Gardening ContractorLandscape gardening insurance considers planting and hardscape duties, digging near utilities, treatment runoff, mobile machines and surrounding damage versus replanting.
  100. Lathing ContractorYou install metal lath and wire mesh for plaster or stucco finishes, which involves working with sharp materials at height on scaffolds.
  101. Lawn Care Service ContractorLawn care insurance considers debris thrown on recurring routes, actual treatment and drift duties, seasonal employers and trailer loads versus vehicle damage.
  102. Lawn Sprinkler Installation ContractorLawn sprinkler insurance considers trench or bore duties, private utilities, supply connections and controller handoff, separating later water damage from system correction.
  103. Levee ContractorYou build or repair flood-protection embankments, which involves heavy earthmoving and working with saturated soil near populated areas.
  104. Locksmith ContractorLocksmith insurance distinguishes authorized entry damage, keys and credential records, specialized mobile tools and client-theft proof from a security-performance promise.
  105. Machinery or Equipment Erection ContractorInsurance for high-value industrial rigging and installation projects.
  106. Manufactured or Modular Home ContractorInsurance for assembly and site finishing of modular homes.
  107. Marble ContractorMarble contractor insurance considers customer-specific slabs through cutting, transit and setting, mixed-stone dust exposure, crew lifting and fabrication-machine breakdown.
  108. Marine Construction ContractorMarine construction insurance considers actual shore, afloat and dive duties, barges and piling gear, adjacent vessels, sediment response and unfinished waterfront property.
  109. Marine Habitat Restoration ContractorInsurance for aquatic habitat restoration and environmental design.
  110. Masonry ContractorMasonry insurance considers shared scaffold duties, falling units, cutting exposure, mixers and saws and completed wall damage versus defective-masonry replacement.
  111. Metal Cladding and Roofing ContractorMetal roofing and cladding insurance considers wind-catching panels, open work, roll-formers and coils, elevated crews and later leaks versus weather-tightness promises.
  112. Mitigation ContractorInsurance for emergency water, fire, and mold mitigation.
  113. Mobile Crane and Hoisting Service ContractorInsurance for mobile crane and heavy hoisting contractors.
  114. Mobile Welding ContractorMobile welding insurance considers customer-site hot work, delayed fires, accepted structural or pressure repairs and truck-mounted rigs versus portable equipment.
  115. Modular Building ContractorModular building insurance follows actual factory, hauler and setter roles, module ownership through each handoff and later connection damage versus correction.
  116. Multi-Story Commercial BuilderMulti-story builder insurance considers accumulating project value, stacked trades, crane and neighbor duties, cascading water and covered loss versus contract delay.
  117. Office Machines or Appliances ContractorOffice machine and appliance insurance considers occupied-site delivery, customer units in your care, hookups, mobile parts and later resulting damage versus repair.
  118. Oil or Gas Pipeline ContractorOil or gas pipeline insurance considers actual products and live-line duties, hydrostatic fluids, boring near services, remote machinery and operator requirements.
  119. On-Site Fabrication ContractorOn-site fabrication insurance considers temporary hot-work areas, specified load or fit duties, customer stock in processing, mobile machines and later resulting harm.
  120. Painting ContractorPainting insurance considers furnished rooms, spray or washing damage, actual heights and lead disturbance, mobile ladders and sprayers and repainting versus resulting harm.
  121. Painting and Finishing ContractorPainting and finishing insurance considers spray reaching neighboring property, fumes in occupied rooms, actual solvent and rag practices and finish correction versus harm.
  122. Paperhanging ContractorPaperhanging insurance considers custom rolls through delivery, cutting and hanging, surrounding finishes, stairwell work and actual material damage versus mismatch.
  123. Paving ContractorPaving insurance considers customer access while lots are sealed or striped, repaint demands versus car damage, reopened slopes and markings and mobile tank or roller interests.
  124. Paving and Asphalt ContractorAsphalt paving insurance considers hot-mix crews beside traffic, dump trucks and lowboys, pavers between sites, tack releases and actual bond or owner requirements.
  125. Pest Control ContractorPest control insurance separates actual pesticide application, termite-report reliance, chemical storage and vehicle releases from re-treatment promises and customer data.
  126. Piling Installation ContractorInsurance for deep-foundation and piling installation projects.
  127. Pipefitting ContractorPipefitting insurance considers hot work in operating plants, pressure-test methods, start-up and later joint failures, rigging tools and damage versus production promises.
  128. Pipeline Installation and Repair ContractorPipeline installation and repair insurance considers live versus new lines, fluid and bore duties, utility strikes, dispersed machines and staged pipe along rights-of-way.
  129. Plastering or Stucco ContractorPlastering and stucco insurance distinguishes interior work from exterior wall systems, actual flashing and drainage roles, later moisture harm and mobile pump interests.
  130. Plumbing ContractorInsurance for plumbing service and installation contractors.
  131. Plumbing and HVAC ContractorCombined plumbing and HVAC insurance considers actual water, gas and refrigerant tasks, occupied-space hot work, later connection harm and van tools versus parts stock.
  132. Pool ContractorInsurance for pool builders managing construction and trade risks.
  133. Port and Harbor Construction ContractorPort and harbor construction insurance separates shore gear, floating plant and hull interests, worker status, unfinished piers and releases from sediment or fuel duties.
  134. Power Transmission Line ContractorTransmission line insurance considers actual voltages and energization, remote wildfire corridors, tensioning and aircraft roles, specialist rigs and utility indemnity.
  135. Precast Concrete ContractorPrecast concrete insurance follows actual design, casting, hauling and erection roles, component values through each stage and plant failure versus spoiled pours or downtime.
  136. Prefabricated Building Erection ContractorYour work involves unloading, staging and assembling modular or metal structures at heights.
  137. Railway Track Laying CompanyYour work involves grading, track laying and welding in live rail corridors.
  138. Refrigeration Systems or Equipment ContractorRefrigeration contractor insurance separates service errors, customer spoiled stock and lost sales from cooler repair, refrigerant releases and mobile recovery equipment.
  139. Residential Building ContractorResidential builder insurance considers homes and staged materials in progress, actual subcontractor rights, employee status and delivered-home damage versus buyer warranties.
  140. Residential RemodelerRemodeler insurance separates the existing home and belongings from new work and mobile tools, with actual tie-ins, occupancy stages and homeowner or trade duties reviewed.
  141. Restoration ContractorYour work responds to emergency fire, water and mold damage, often handling the client's sensitive personal property.
  142. Retail Store BuilderYour work delivers retail fit-outs, often in busy shopping centers where you must work around the public.
  143. Rigging ContractorYour work involves lifting and positioning heavy, high-value industrial equipment in tight spaces.
  144. Road Construction ContractorRoad construction insurance distinguishes workers, motorists and machines in changing work zones, actual traffic-control handoffs and later road damage versus grade correction.
  145. Road and Highway Paving CompanyInsurance for highway, street and parking-facility paving, haul fleets, and live work zones.
  146. Rock Hauling ContractorRock hauling insurance separates truck liability and physical damage, owned or customer aggregate, spilled-load cleanup and driver injuries from quarry to discharge.
  147. Roofing ContractorInsurance for residential and commercial roofing contractors.
  148. Roofing Restoration ContractorRoof restoration insurance considers temporary tarps, follow-up storms, peak-response crews and actual inspection or estimate duties without assuming claim-negotiation authority.
  149. Roofing and Siding ContractorRoofing and siding insurance considers actual systems, pitch and hot-work methods, exposed tear-off stages, falling materials and later interior harm versus envelope redo.
  150. Salvage ContractorInsurance for salvage and reclamation contractors.
  151. Sand Hauling ContractorInsurance for sand and aggregate hauling fleets.
  152. Scaffold Erection and Dismantling ContractorScaffold insurance considers erection through dismantling, user loads and alterations, retained inspection duties and reusable stock spread across transit and erected sites.
  153. Sealant and Caulking ContractorCaulking insurance considers the joint and substrate you actually work on, primers and facade access, adjacent glass or finish damage and resulting leaks versus seal warranties.
  154. Septic Tank Systems ContractorInsurance for septic and wastewater system contractors.
  155. Sewer Construction ContractorInsurance guide for deep sewer and utility construction contractors.
  156. Sewer and Water Pipeline ContractorInsurance considerations for sewer and water pipeline installation and underground work.
  157. Sheet Metal ContractorSheet metal insurance considers shop shears and brakes, hot work, coil and finished assemblies, delivery interests and field installation alongside later resulting harm.
  158. Sheet Metal Work Installation ContractorSheet metal installation insurance considers overhead ducts and panels, lift crews and neighboring trades, staged assemblies and project interests versus tools or connection redo.
  159. Sign Erection ContractorYou perform rigging, electrical and structural work to install signs, often hoisting heavy cabinets over public walkways and roads.
  160. Single-Family Home BuilderSingle-family builder insurance considers peak values across active lots, subcontractor duties, staged materials and unsold homes, with buyer warranties separate from resulting harm.
  161. Site Preparation ContractorSite preparation insurance considers machines and attachments, utility strikes, boundary damage and actual sediment or soil conditions versus grading and compaction correction.
  162. Slab Sawing ContractorYou cut concrete and asphalt for repairs or demolition, often working on active sites near buried utilities.
  163. Smart Home Technology ContractorSmart home contractor insurance distinguishes physical installation damage, defined programming services and client-camera or account liability from your own incident response.
  164. Solar Energy ContractorSolar contractor insurance considers actual design and installation duties, modeled output versus guarantees, component ownership and battery fire damage versus pollution response.
  165. Solar Panel Installation ContractorSolar panel installer insurance considers roof load and penetrations, elevated electrical crews, staged components and actual project-property interests versus mobile tools.
  166. Spray Foam Insulation ContractorYou use proportioner rigs to apply foam that reacts and cures in place, a process where overspray or chemical exposure can affect your employees and nearby property.
  167. Stonemason ContractorYou handle heavy materials and perform scaffold work to set stone, which poses risks ranging from workplace strains to long-term issues like moisture intrusion behind finished veneers.
  168. Street and Bridge BuilderYour work combines roadway construction with structural elements like culverts and bridges, which means you manage complex site hazards including live traffic and crane lifts.
  169. Street or Road Construction ContractorStreet and road construction insurance considers corridor traffic, mobile plant, utility work and spill duties, with unfinished pavement and actual bond obligations reviewed separately.
  170. Structural Steel Erection ContractorYou work at significant heights hoisting steel, where a rigging failure or a dropped component can cause severe damage or injury.
  171. Stucco ContractorYou apply finish systems that are highly sensitive to moisture, where improper flashing or drainage can cause hidden mold and damage to a building years later.
  172. Swimming Pool ContractorYour work involves heavy excavation and complex electrical and plumbing systems, where open pits and water features create significant safety hazards.
  173. Temporary Structures ContractorYou assemble tents, stages and bleachers under tight deadlines, creating concentrated risks for public crowds who use your structures shortly after erection.
  174. Tile ContractorTile contractor insurance separates wet-area waterproofing and resulting moisture damage from resetting tile, while considering occupied-home finishes, cutting tasks and mobile saws.
  175. Trenching ContractorYou perform excavation and trenching for utility lines or footings, where ground movement, vibration, or utility strikes can damage nearby property or foundations.
  176. Tunnel Excavation ServiceYou bore and line underground passages for roads, utilities, or railways, where sudden ground movement, water inrush, or equipment failure can occur.
  177. Tunneling ContractorYou operate large-scale boring machinery to excavate and line underground passages, where a motor failure or groundwater flooding can halt production.
  178. Underwater Construction ContractorYou perform submerged construction and repairs using divers and specialized equipment, where decompression illness, breathing-gear failure, or sediment disturbance can occur.
  179. Utility ContractorUtility contractor insurance considers actual line types and live connections, public rights-of-way, rig and fleet definitions and damaged infrastructure versus wider outage demands.
  180. Wallboard ContractorWallboard insurance considers overhead panel handling, compound dust reaching finished work, portable lifts and sanders, with seams or assembly correction separate from resulting harm.
  181. Water Main Utility ContractorYou install and repair pressurized water mains in active roadways, where a pipe failure or joint blowout can cause flooding and service loss to entire neighborhoods.
  182. Waterline ContractorYou connect properties to public water mains, involving trenching through private yards and driveways where leaks or underground utility strikes are common concerns.
  183. Waterproofing ContractorWaterproofing insurance considers actual membrane and coating systems, below-grade or roof work, fumes and overspray, with leak warranties distinct from resulting damage and pollution.
  184. Welding ContractorWelding insurance considers actual shop and field processes, delayed hot-work fires, structural or pressure duties and stationary, mounted or portable rigs versus weld correction.
  185. Well Drilling ContractorWell drilling insurance considers actual bore types and depths, casing or grout duties, groundwater and utilities, with mounted rigs or downhole gear separate from yield promises.
  186. Window Cleaning ContractorWindow cleaning insurance follows actual access methods and heights, people below, pane versus surrounding-property damage and owned tools versus rented platforms or lifts.
  187. Window Installation ContractorWindow installation insurance distinguishes glass in setting, fogged-unit warranties and draft complaints from actual wall damage, with old paint disturbance reviewed separately.
  188. Window and Door Installation ContractorWindow and door insurance considers fragile units through pickup and setting, altered openings, water entry and actual lock or egress duties versus alignment and seal correction.

Risks across this group

Job-site injuries

Heights, equipment, and active sites create serious injury exposure for workers and others.

Property damage

Work can damage a client's existing structure or neighboring property.

Completed-operations claims

Defects in finished work can lead to claims after a project ends.

Equipment and tool loss

Valuable tools and equipment move between sites and can be stolen or damaged.

Contractual and bonding demands

Owners and GCs commonly require specific insurance and surety bonds.

Subcontractor exposure

Relying on subcontractors creates additional liability and certificate-tracking needs.

Coverage worth discussing

Policies to ask about. Which ones fit depends on your operations, your contracts, and the carrier’s forms.

Ready to compare options?

Request a Construction & Contractors quote Or call 1-800-777-1TSA

Related guides and articles

Situations to think through

These hypothetical examples are not agency claim results. Whether a loss is covered depends on the facts, policy terms, and applicable exclusions.

  1. Hypothetical: Damage to existing structure

    A contractor accidentally damages a client's existing structure during work. General liability may help respond to the property-damage claim, subject to policy terms.

  2. Hypothetical: Tools stolen from site

    Tools are stolen from a job-site trailer. Inland marine coverage may help replace them, subject to deductibles.

  3. Hypothetical: Fire during construction

    A fire damages a project mid-construction. Builders risk may help with repairs and covered materials, subject to terms.

Before you talk to an agent

What to have ready

Tick items as you gather them. Nothing here is saved or sent.

Questions to raise

  • Resolve who arranges builders risk before work starts, especially on renovations where the existing building and new work may be insured differently.
  • Compare the signed insurance schedule with actual endorsements for ongoing and completed work. A certificate alone should not be treated as a change to coverage.
  • Describe design responsibility and promised specifications separately from installation work. Liability for resulting injury or damage and the cost to make work meet the contract are different questions.

Contract terms to check

  • Review the project's insurance schedule before work begins. Owners may request additional-insured status, completed-operations protection, or a waiver of subrogation; some jobs also require bid, performance, or payment bonds. Confirm who arranges builders risk and which obligations come from the contract or applicable public-work rules. A certificate alone does not change the policy or guarantee that the contract's requirements have been met.

What the agent conversation looks like

Start with the work you do and the questions your current policies leave unanswered. Carrier options depend on your location, risk, and underwriting. Explore our approach.

  1. ListenReview your operations, current coverage, and past claims.
  2. AssessIdentify potential hazards and discuss ways to reduce risk.
  3. BuildDiscuss policy and carrier options, premium costs, and audits.
  4. SupportReview changes and help you plan ahead as your needs develop.

Questions owners ask

What is completed-operations coverage?

It may address covered injury or property damage arising from completed work. It does not establish coverage for every defect, rework bill, delay, or failure to meet specifications; exclusions and endorsements matter.

Who buys builders risk on a project?

Check the contract to identify whether the owner, general contractor, or developer arranges it. Confirm which parties and property are insured and how coverage coordinates with the existing building policy.

Why do projects require surety bonds?

A contract or applicable public-work rule may require bid, performance, or payment bonds. Each supports a different obligation. A bond protects the specified obligee or beneficiaries and is not a substitute for the contractor's liability insurance.

How do subcontractors affect a contractor's coverage?

Review subcontractor duties, written agreements, insurance, and any required additional-insured endorsements. A certificate documents information but does not resolve every coverage gap or transfer every loss.

Are tools covered when stored at a job site?

Inland marine terms may cover tools away from the shop. Check scheduled values, overnight storage, theft conditions, and rented equipment rather than assuming every job-site loss qualifies.

Tell us what your construction & contractors business does

Bring your questions, current policies, and relevant contracts. An agent can review coverage terms, exclusions, and the information carriers ask for, then explain the options available to you.

Request a Construction & Contractors quote

How can we help you get started?

Choose the quote that fits, and we’ll take it from there.

Business insurance quoteFor owners and their teamsPersonal insurance quoteFor your family and home

Have a question? Contact us