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Illustrated construction street with a scaffold-wrapped house, a dumpster and a pickup truck on one side and a purple wheelbarrow on the scaffolding, and a tower crane beside a timber-framed building going up on the other, open sky and road between

General contractor insurance

win the bid,
then the
next one.

Liability, comp, builders risk and trucks for general contractors. We read the owner’s insurance requirements with you before you sign, so a certificate doesn’t hold up the job.

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MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the site, covered.

A fall, a fire, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house under renovation with a dropped beam cracking the upstairs bathroom floor, a ladder fallen from the scaffold beside a purple hard hat, smoke rising from the framed addition, and a pickup truck backed into a parked car

general liability

A beam drops and cracks the owner’s tile

Damage to the owner’s property.

builders risk

A fire hits the new addition

The building and materials, until handover.

workers’ comp

A carpenter falls from the scaffold

Medical bills and lost wages.

commercial auto

The pickup backs into a parked car

Damage you cause on the road.

general liability

A beam drops and cracks the owner’s tile

Damage to the owner’s property.

Examples. Your policy sets the details.

the work changes
what we check.

Renovations, new builds and commercial projects carry different risks. Pick yours.

Renovations

Work in lived-in spaces.

We compare the property damage exclusions with the actual work, and the policy’s conditions for the trades you hire.

we check first: Damage to existing rooms. Illustrated kitchen mid-renovation with a cabinet section torn out to the studs, a stepladder and a purple circular saw on sawhorses over a drop cloth

contracting businesses
usually carry.

Put them on one program and we shop them together at every renewal.

damage on site?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the site

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the owner’s details go to the carrier.

  3. 3. We push it through

    Repairs, the owner’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Summit Builders

your options

$42,600a year, 4 policies

3 options, same coverage

Option A$42,600

Option B$45,900

Option C$49,800

12 on payroll4 trucksCharlotte, NCClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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what changes in
your state.

Licenses, bonds and workers’ comp change by state. Tap yours.

Arizona

ROC license, residential, commercial or dual, with a bond set by type and volume. Comp from your first hire.

see Arizona contractor

guides
GCs ask for.

Subs, certificates and what changes the price.

growing by
acquisition?

Buying another contracting shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about general contractor insurance.

What insurance does a general contractor need?
Most GCs carry general liability for injuries to others and property damage, workers’ comp for crew injuries, and commercial auto for business driving. Owners and their contracts usually ask for liability with additional insured and completed work terms. Builders risk, tools, umbrella, professional or pollution coverage can come up depending on the projects and the contract.
Is general contractor insurance the same as general liability?
No. General contractor insurance describes the set of policies a building business carries, and general liability is one part of it. It doesn’t replace workers’ comp, auto insurance or builders risk for the building under construction. Which policies answer which risks depends on the work you take on and what the owner’s contract asks for.
What affects the price of general contractor insurance?
Mainly what you build, who does the work, payroll and subcontractor costs, project size and location, the limits and deductibles you choose, and your claims history. A remodeler working alone and a GC running several builds price very differently. Clean records and clear subcontracts help.
Am I responsible if my subcontractor is uninsured?
It can land on you. An uninsured sub can create obligations for the GC, including for workers’ comp under many state rules. A certificate shows insurance information, but it doesn’t change the policy or make you an additional insured, so the subcontract and the sub’s actual endorsements matter.
Who buys builders risk, the owner or the GC?
The contract decides. Sometimes the owner buys it, sometimes the GC does, and either way it matters whose interests it covers, when it starts and whether materials stored off site or in transit are included. Builders risk covers the building during construction; general liability covers injuries and damage to others.

Insurance words, in plain English: waiver of subrogation · certificate of insurance · additional insured · primary and noncontributory · hold harmless agreement · contractual liability · per-project aggregate · completed operations

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA