Often required by the state as a minimum level of insurance coverage, general liability coverage is purchased by a business to protect against bodily harm or property damage. Individuals who are often required to carry this type of coverage include property owners, construction companies, general contractors, trade contractors, remodelers, developers, and more. 

A general liability insurance policy helps to cover things such as poor workmanship, injuries acquired on the job, defamation, property damage, and more.

Unfortunately, many things can occur during the course of a construction project. Builders risk insurance provides protection for buildings during the construction process and helps to pay for damage caused by fire, weather, and vandalism. If the construction project is located in an area that experienced extreme weather such as earthquakes, hurricanes, or flooding, you will need to consider additional coverage.

While each carrier offers a different level of coverage, most builders’ risk insurance policies cover building materials, temporary structures, landscaping installed by the builder, foundation, outdoor fixtures, permanent and temporary fencing, and more.

Almost all developers, remodelers, contractors, and construction workers drive some type of company vehicle. From small cars for appointments to large trucks to haul equipment, these vehicles must be covered by commercial auto insurance. 

While some forms of construction insurance are not required, commercial auto insurance is required by law for any type of vehicle used for your business. Commercial auto insurance protects your business by covering injuries or property damage caused by accidents occurring in the vehicle. This insurance covers yourself, your employees, or anyone else that is driving your commercial vehicle for work purposes.