Construction & Contractors Insurance

Build with confidence — protect every project, every crew, every dollar.

Why you need a broker who knows construction

Protect your tools, sites, and schedules

Safeguard your equipment, materials, and job sites from theft, damage, and accidents. Coverage for unexpected project delays and material losses keeps your bottom line intact.

Cover liability and injuries

Protect your business from third-party claims for property damage and on-site injuries. Workers’ comp ensures your team is taken care of if accidents happen on the job.

Stay ahead of regulations

Meet insurance requirements for contracts and local building codes, while securing the bonds and certifications necessary to win high-value projects.

Keep your business moving

Recover quickly from delays, accidents, and equipment losses. Stay focused on the build while we handle the unexpected.

Build safer, build smarter: the right coverage for your operation

General Liability Insurance
Essential coverage that protects against third-party bodily injury and property damage claims on your job sites. Covers legal expenses and settlements when accidents happen.
Covers for employee injuries and illnesses that occur on the job and usually covers lawsuits brought by injured workers. Helps with medical costs, rehab, and lost wages.

Covers claims related to errors or omissions in the design, engineering mistakes, and professional services errors.

Covers claims related to pollution, hazardous material exposure, and environmental damage caused by your work. Helps with cleanup costs, legal fees, and third-party claims.
Protects your projects under construction from fire, theft, vandalism, and certain weather events. Covers materials, fixtures, and on-site equipment.
Protects your tools and heavy equipment (whether owned, leased, or rented) against theft and damage, on and off the job site.
Protects company-owned vehicles, including trucks and vans, against accidents, damage, and liability claims while in use on the job.
Extends your coverage beyond standard policy limits, providing extra protection against large claims and lawsuits that could threaten your business.

Beyond insurance:

Keeping your business ahead

Good insurance is just the start. We help you prevent losses before they happen, and recover quickly when they do.

Risk Assessment Services

Job site safety evaluations

We’ll arrange detailed inspections to identify risks before they lead to accidents — and lower premiums.

OSHA compliant assessments

We'll help ensure your sites and practices meet safety standards and regulations

Customized risk mitigation strategies

We'll create tailored plans to address the unique risks your projects face.

Subcontractor verification services

We'll help you verify subcontractor insurance and reduce your transfer risk.

Claims Management Support

24/7 emergency claims reporting

You'll get access to immediate reporting, for a fast response, when you need it.

On-demand certificate access

You'll get access to certificates of insurance documents through our client portal whenever verification is needed.

Documentation assistance & tracking

We'll help you with all the paperwork, ensuring accuracy and clarity.

Expedited settlements and recovery support

We'll do whatever we can to acelerate the claims process so you can recover quickly.

More about property insurance and your industry

General Contractors
From managing multiple subcontractors to keeping projects on schedule, GCs face high liability risks. Our coverage protects you from construction defects, contract disputes, and job site accidents.
Building homes comes with unique risks like warranty claims, construction defects, and property damage. We ensure your projects and reputation stay protected.
With larger-scale projects come bigger risks. Our policies cover extended timelines, high-value properties, and complex liability concerns so you can take on bigger projects with certainty.
Electricians, plumbers, HVAC technicians, and other specialty trades face unique risks on the job. We provide tailored protection for tools, liability claims, and job site safety — and you can focus on getting the job done.

Infrastructure projects like roads, bridges, and utilities require robust protection. Coverage includes heavy equipment, environmental risks, and substantial liability exposures.

Carpenters, painters, masons, and other skilled trades need specialized protection for tools, personal liability, and risks unique to smaller-scale projects.
High-risk operations involving digging, blasting, and demolition require specialized coverage, It protects against third-party damage, underground hazards, and equipment protection.
Roofing work comes with significant risks like fall hazards, weather-related work delays, and equipment damage. Our policies ensure you stay covered from bid to completion.

Don’t see your trade?
We serve all industries. Just reach out and tell us what you need.

The service is incredible! The deep understanding of insurance products & professionalism — it's amazing to see!
Hershy Rosenzweig
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FAQs

Smart questions about construction and contractors insurance.

What types of insurance does my construction business need?

At minimum, you’ll need general liability, workers’ comp, commercial auto, and builder’s risk. Depending on your trade, professional liability and inland marine may also be essential.

State laws vary, but if you have employees, you likely need it. Even sole proprietors should consider it.
Builder’s risk covers damage to a building actively under construction. General liability covers third-party injuries and property damage.

Yes, contractors’ equipment insurance (sometimes called inland marine) protects against theft, damage, and loss, whether on the job site or in transit.

Not automatically. You need to verify that subcontractors have their own insurance and obtain certificates of insurance. We can help you manage this process.
A strong safety program, accurate worker classification, a clean claims history, and working with the right broker can all help reduce costs while maintaining quality coverage. Gold River’s strong network of carrier partnerships will put you in good stead with solid, cost-effective insurance.

Get covered today. Build with confidence.

Gold River is more than an insurance broker. We’re your partner. Guiding you with expertise. Serving you with dedication. Providing you with honest answers. Giving you the security to keep moving forward.