You bring the project together. We help bring the insurance together, from the owner’s requirements to the people, equipment and finished work you need to protect.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
Compare available coverage and price
Check requirements before the job starts
One broker as your business grows
Markets we place through.
The property. The crew. The unfinished build. Different risks need different protection. We help you connect the dots before the job starts.
Your work · General liability
Damage to the owner’s existing property can become a claim against your business, even when a subcontractor did the work.We help check your general liability terms for resulting damage, subcontracted work and exclusions. Fixing defective work is a different question.Your people · Workers’ compensation
A work injury can mean medical bills and time away from the job. Workers’ comp helps with covered treatment and wage benefits under state rules.Before you add to the crew, we help sort out employee, owner and subcontractor questions so you know who needs protection.The project · Builders risk
A fire or theft during construction can put the building and materials at risk. Builders risk addresses covered project property, not the same risks as general liability.We help check who arranges the policy, whose interests it covers and how protection lines up with the project dates.Start with the jobs you run and who does the work. We’ll help you build a program around both.
Your projects
LiabilityHelp protect your business against covered injuries to others and property damage, including certain claims from completed work.
Your people
State rulesMedical care and wage benefits for covered employee injuries. Check employee, owner and subcontractor treatment before a job starts.
Your vehicles
On the roadHelp protect the driving between projects. Review your trucks, drivers and use of vehicles you don’t own.
Your equipment
On the jobCheck protection for gear at the shop, in transit and on site, including rented equipment and theft conditions.
We stay for the other half. Four things that happen when a broker is on the account.
Insurance requirements compared with your policyAdditional insured and completed-work terms explainedOpen coverage questions flagged before you commitCertificates issued from the policy as writtenInsurance requirements compared with your policyAdditional insured and completed-work terms explainedOpen coverage questions flagged before you commitCertificates issued from the policy as writtenNew employees and subcontracted operations reviewedVehicle and equipment changes sent to the carrierNew project types considered before work beginsRequested changes confirmed before you rely on themHelp reporting the incident to the carrierProject records and photos organizedSupport with questions about the next stepThe carrier determines coverage and claim paymentsUpcoming projects and business changes consideredAvailable coverage and prices comparedExclusions and payment terms explainedYou decide whether to stay or switchA one-person remodeler and a GC running several builds need different quotes. Here is what helps us find the right fit.
Residential, commercial, structural work and occupied renovations can raise different coverage questions. Include what you subcontract as well as what you perform.
Payroll, receipts and subcontractor costs may affect rating and audits. Keep records of duties, payments and subcontractor insurance.
Your largest jobs, states and construction methods help carriers assess the work. A familiar project size can still carry a new kind of risk.
Limits, deductibles, exclusions and required endorsements change the comparison. Check the full-term cost, not only the monthly payment.
Bring accurate loss information and documented improvements. We help explain the business; the carrier decides the terms it can offer.
Tell us where you work, what you build and which parts you take on yourself.
Occupied spaces
Protect the work and what is already there.
Your next project
What we check
Your answers come with you. We confirm what applies when you start.
From ground to handover
Plan for the build and the years after it.
Your next project
What we check
Your answers come with you. We confirm what applies when you start.
Owner requirements
Know the insurance ask before you price the job.
Your next project
What we check
Your answers come with you. We confirm what applies when you start.
Already insured? Send it once. We compare it with today’s options.
State rules, local permits and owner contracts are separate checks. Start with your state.
Change it if that is not where the work is.
General contractor insurance by state
What general contractors ask before choosing insurance.
Start with general liability for covered injuries to others and property damage, workers’ comp for employee injuries, and commercial auto for business driving. Tools and equipment, builders risk, umbrella, professional liability or pollution coverage may also matter. The right combination depends on your projects, workforce, contracts and state rules. Riza helps you compare the actual work with available policies before you decide.
No. General contractor insurance describes a collection of policies for the business. General liability is one part of it. It does not replace workers’ comp, auto insurance or protection for the building under construction. Start with what could interrupt the business, then check which policies address those risks and what the owner’s contract requires.
Using subcontractors does not remove your own potential liability. Your business can still be named in a claim involving their work. Check your policy’s subcontractor conditions, written contracts and the insurance each subcontractor carries. Workers’ comp obligations can also depend on state law and the working relationship. A certificate alone does not settle those questions.
It may cover certain resulting bodily injury or property damage, but it is not a warranty that pays to correct every defective job. Your-work exclusions, subcontractor wording, residential or other operation restrictions, and the timing of damage can change the answer. Review the actual policy and facts rather than treating the phrase construction defect as one covered category.
Builders risk generally protects covered project property during construction, subject to its terms. General liability addresses covered liability to others for injury or property damage. Neither automatically replaces the other. Check who is arranging the builders risk policy, which interests and materials it covers, and when coverage ends, especially during renovation, partial occupancy or delayed completion.
Yes. Bring your current policies and tell us about upcoming projects, subcontractor use and changes in the business. We help compare available options, explain differences in coverage and price, and coordinate requested changes. You decide whether to stay or switch. Confirm replacement coverage is effective before cancelling an existing policy.
Start with the quote request and a conversation about your work. Your locations, project types, revenue, payroll, subcontractor costs, vehicles and loss history help establish what carriers need. If you have a current policy or an owner’s insurance exhibit, bring it. The quote is broker-led; submitting the request does not bind coverage or guarantee an instant price.
Tell us about your projects, or bring the policy you already have.
Prefer to talk? Call +1 802-GOT-RIZA · Sun to Sat, 8am to 8pm ET
