Coverage for the Firms That Build It
Structured around how construction and trade firms operate, contract, and carry risk.
Construction and trade firms operate in an environment where risk is present from the moment work begins. Site conditions, subcontractor relationships, and contracts all create exposure that varies across disciplines.
A general contractor carries different risk than a roofing contractor. We structure programs around those differences.
Disciplines We Serve
Built Around Your Trade
Each discipline links to a dedicated page with coverage considerations specific to how those firms operate and carry risk. All coverage is subject to the terms, conditions, and limitations of the policy as issued.
General Contractors
GCs carry risk for the entire site, including subcontractor work. Contract structure and site safety all factor into how a program is considered.
Design-Build Firms
One firm carrying both design and construction responsibility requires coverage that reflects both sides.
Construction Managers
Professional exposure tied to schedule, budget, and coordination alongside active site management.
Trade Contractors
On-site liability specific to each discipline. Electrical, mechanical, and fire protection each carry their own risk considerations.
Specialty Contractors
Exposure varies by the nature of the work. Coverage considered around what the work actually involves.
Concrete Contractors
Structural performance exposure alongside standard on-site liability. The permanence of the work makes coverage worth reviewing carefully.
Roofing Contractors
Elevated on-site liability and workers' compensation exposure. Carriers familiar with roofing risk matter more here than standard placements.
Steel and Structural Contractors
Height exposure, workers' compensation, and performance liability tied to the structural role of the work.
Worth Understanding
Before You Review Your Program
The most common gap is coverage that does not reflect how the firm actually operates. Wrong trade classifications, workers' compensation that does not match actual job functions, builders risk placed after construction has begun.
These gaps surface when a claim is filed, not at renewal.
Our Coverage Stack
Coverage Considered Across Every Layer
Coverage structured around your discipline and how your firm operates. All coverage is subject to the terms, conditions, and limitations of the policy as issued.
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Commercial Auto
For vehicles owned, leased, or used by the business.
Workers' Compensation
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
Professional Liability
Helps respond when a client alleges your professional services caused a financial loss, project issue, or other damages.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Excess Liability
Extends the limits of a single underlying policy without changing its terms.
Builders Risk
Responds to physical loss or damage during construction. Standard property policies typically exclude this phase.
Environmental Liability
Helps respond to certain claims involving pollution, contamination, mold, indoor air quality, or environmental conditions.
The Process
How We Approach It
Step 1
Understand Your Operations
What your firm does, the projects you take on, and what subcontractor relationships exist.
Step 2
Review What You Have
Classifications, limits, exclusions, and anything worth addressing before a recommendation is made.
Step 3
Structure the Right Program
Coverage considered around your discipline and contracts. You will know what each policy addresses before anything is placed.
What Our Clients Say
Trusted by Architects, Engineers and Design Professionals
Over 275+ reviews from firms across the design and construction industry. Clients often mention responsiveness, clear communication, and help making insurance easier to understand.
Start the Conversation
Want to See How Your Program Holds Up?
Tell us about your firm and the work you take on. We'll take a look and share what we find.