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insurance
Let us help you find the right insurance coverage for your construction business - whether you're an independent contractor or own a construction company with employees.
Or call 844-925-1272 for a quote
Your construction business is your livelihood. Protect it.
You've worked hard to build your construction business. We'll work just as hard to find you a customized insurance solution to protect it from the unexpected. At Liberty Mutual, we partner with independent agents to provide you the same quality products and services you give your own customers.
Get customized insurance for a broad range of construction trades...
- Carpenters
- Electricians
- Fencing builders
- Painters
- Septic system contractors
- Carpet and flooring installers
- Excavation and grading contractors
- HVAC installers or repair persons
- Plumbers
These are just a handful of the trades we work with. Our industry expertise allows us to offer coverage to a wide range of contractors and small construction businesses.
What kinds of insurance do construction businesses need?
Since no two construction businesses are the same, insurance companies generally do not sell a standard “construction business insurance” package.
Construction businesses tend to start off with commercial property insurance and general liability insurance, and then supplement these with other coverages. Speak with an independent agent to make sure you get all the coverage you need.
Why choose Liberty Mutual to protect your construction business?
Why work with independent insurance agents
What does construction or contractor insurance cover?
With a business owner's policy and other common small business insurance coverages like commercial auto, workers compensation, and cyber, you'll have protection from risks like
- Theft of equipment or materials from a jobsite or one of the business's vehicles
- Property damage and bodily injury to others caused by you or your employees
- Injuries to employees sustained while on the job
- Liability for accidents involving customers, suppliers, and others while at your job site or place of business
- Lost income if your business can't operate due to covered property damage
- Legal costs and court judgements stemming from claims that your business has not done work properly
Construction insurance frequently asked questions
Yes. Independent contractors need at the very least general liability insurance to get licensed by a state to offer their services.
The cost of insurance for contractors varies depending on the coverage needed to address the risks unique to the contractor's business.
General liability insurance for contractors is essential - and as your business grows, you may need additional coverages.
Keep in mind that the cheapest contractor's insurance isn't necessarily the best contractor's insurance.
A contractors all risk policy is an all-purpose insurance product designed to cover a comprehensive range of risks related to construction activities.
Protect what you've worked
hard to build
hard to build
Take the first step by getting a quote now or finding an independent
agent who can help you choose the right coverage options.