Construction Insurance

Construction workers (including artisan contractors, electricians, installers, etc.) have a higher risk of job-related injury or illness than workers in any other occupation, according to the U.S. Bureau of Labor Statistics.

 

Workers in the construction industry can fall from scaffolding, ladders, and roofs. They can become injured by equipment and tools, be exposed to chemicals or fumes, or develop fatigue or repetitive stress injuries.

 

Whether they are carpenters, roofers, drywall installers, electricians, excavators, deck builders, siding installers, or pavers—construction insurance helps care for employees in case of accidents and helps protect the small business from further liability and financial loss.

 

Learn more about common types of small business insurance for construction businesses or get a quote in 3 minutes for workers’ comp insurance.

What type of work needs construction insurance?

  • Carpentry

  • Contracting

  • Deck building

  • Electrical work

  • Flooring installation

  • Painting

  • Plumbing

  • Roofing

  • Sheetrock and drywall installation

  • Siding installation

  • And more…

What are common types of construction insurance?

Workers’ comp

Workers’ compensation insurance, also called workman’s comp, helps protect construction and contractor small businesses and employees if they become ill or injured on the job. Get a quote in 3 minutes. 

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Business owner’s

A business owner’s policy (BOP) is bundled insurance that may include business interruption insurance, property insurance, and liability coverage for a construction or contractor small business.

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Commercial auto

Commercial automobile insurance is a type of policy that helps cover liability and physical damage for vehicles—such as cars, trucks, and vans—that are owned and operated by a construction or contractor small business.

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Cyber risk

Cyber risk insurance, also called cyber liability insurance, helps cover construction and contractor small businesses for an event like a data breach—in which customer, employee, or company information is stolen or compromised.

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Errors & omissions

Errors and omissions (E&O) insurance helps protect a small business against claims by third parties who believe they were harmed due to advice or services the construction or contractor business provided.

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General liability

General liability insurance is a type of policy that helps protect a construction or contractor small business against third-party claims that involve property damage, bodily injury, or advertising injury.

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Professional liability

Professional liability insurance helps protect a construction or contractor small business against claims by third parties who believe they were harmed due to advice or services the business provided.

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Small group health

Small business group health insurance may be provided by a construction or contractor small business to its employees to help them cover wellness costs—often including medical, dental, and vision care.

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Specialized Coverage

Additional specialized insurance policies—coverage types that are specific to the construction or contractor industry a small business operates within—may be built into a business owner’s policy or purchased separately.

Pie provides workers’ comp insurance for construction businesses. Learn more.