General contractors face complex liability exposures across every phase of a project. InsuranceBind specializes in contractor insurance and shops 50+ carriers to find you the right coverage at competitive rates.
Managing multiple subcontractors, heavy equipment, and high-value properties creates significant liability exposure for general contractors.
Third-Party Bodily Injury
Visitors, passersby, or neighboring property owners injured on or near your job site.
Property Damage to Client Property
Accidental damage to structures, finishes, or adjacent properties during construction.
Subcontractor Liability
Lawsuits for work performed by subs you hired if they carry inadequate coverage.
Completed Operations Claims
Claims filed years after project completion alleging defective work caused damage or injury.
Equipment Theft & Damage
Tools and heavy equipment are prime targets for theft on job sites.
A comprehensive contractor insurance program typically includes several policies working together to protect your business.
Core coverage for bodily injury, property damage, and completed operations claims.
Protects the structure under construction against fire, theft, vandalism, and weather.
Required in most states; covers employee injuries and related legal costs.
Coverage for trucks, vans, and vehicles used on and between job sites.
Additional limits above your primary policies for catastrophic claims.