Business Insurance for Commercial Builders

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Why do commercial builders need business insurance?

Every construction project has its risks. Business insurance for commercial builders helps cover costs when a worker gets hurt in an accident, or a thief makes off with valuable equipment. Some policies may be required to comply with state laws or client contracts.

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Get same-day insurance

With Insureon, commercial builders can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of business insurance do commercial builders need?

These policies cover common risks in the commercial construction industry.

General liability insurance icon

General liability insurance

A general liability policy covers basic third-party risks, such as a property owner who sues over accidental damage to a fence. Bundle it with commercial property insurance for savings in a business owner’s policy.

  • Customer bodily injuries
  • Customer property damage
  • Product liability insurance
Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, bundles general liability coverage and commercial property insurance at a discount. It protects against common lawsuits and property damage.

  • Accidents that injure clients
  • Client property damage
  • Stolen or damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers’ comp for commercial building companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Work-related injuries
  • Disability benefits
  • Lawsuits from employee injuries
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Commercial auto insurance

This type of coverage pays for financial losses in an accident involving your construction business’s truck or other vehicle. Each state has its own laws for auto liability coverage.

  • Property damage caused by your vehicle
  • Medical payments from an accident
  • Vehicle vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This insurance policy helps pay for replacement if a commercial builder’s tools are stolen from a construction site. It's a form of inland marine insurance.

  • Equipment less than five years old
  • Mobile equipment that travels to job sites
  • Small tools like wrenches and screwdrivers
Professional liability insurance icon

Professional liability insurance

Professional liability insurance covers legal costs when a commercial builder is sued for a mistake or oversight that causes financial harm. It's also called errors and omissions insurance (E&O).

  • Accusations of negligence
  • Undelivered services
  • Faulty construction
Looking for different coverage? See more policies.

How much does construction and contracting business insurance cost?

Man in construction vest and helmet calculating insurance costs.

A commercial contractor who works independently can expect to pay less for insurance than a larger business.

Factors that affect premiums include:

  • Services offered, such as residential construction, commercial construction, or debris removal
  • Business property and equipment
  • Types of business insurance coverage
  • Coverage options, such as limits and deductibles
  • Additional insured endorsements
  • Additional coverage, such as builder’s risk insurance or surety bonds
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How do I get commercial builder's insurance?

It’s easy to get business insurance for commercial builders and general contractors if you have your business information on hand. Our insurance application will ask for basic facts about your construction company, such as revenue and number of employees. You can buy policies online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right commercial construction insurance for your business, whether you work independently or hire employees.

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