Construction Insurance

Construction is one of the highest-risk industries for insurance — job site injuries, property damage, equipment theft, and project delays create significant liability exposure. The right insurance program protects your business, your workers, and your projects.

Essential Construction Coverages

General Liability — third-party injury and property damage on job sites
Workers' Compensation — legally required; covers employee injuries
Builder's Risk — protects structures under construction
Commercial Auto — work trucks and equipment haulers
Inland Marine — tools, equipment, and materials in transit
Umbrella/Excess — additional limits above your GL and auto
Surety Bonds — bid, performance, and payment bonds

Construction Insurance Costs

Construction insurance costs vary widely based on trade, project size, and workforce:

GL: $2,000–$10,000/year (varies by trade classification)
Workers Comp: $3–$15+ per $100 of payroll for construction trades
Builder's Risk: 1-4% of project value
Umbrella: $1,500–$5,000/year for $1M additional limits

Why Construction Firms Choose Insura

We work with carriers that specialize in construction risk and understand the unique requirements of GCs, subcontractors, and specialty trades.