General Liability
Contract-requiredHelps cover third‑party injury or property damage claims arising from your work.
- Job-site incidents
- Legal defense (policy terms apply)
- COIs for GCs/owners available
AllGuard Insurance Brokerage Inc
Construction Insurance
Coverage designed for jobsite risk—helping protect your crew, your tools, and your contracts.
Jobsite LiabilityHelps cover third‑party claims
Workers’ Comp OptionsRequired protection for employees (state rules apply)
COIs for ContractsFast certificates for GCs and owners
Independent Brokerage
Fast Quotes
Personalized Coverage
Talk to an Agent
Quick helpHave a deadline, lender request, or need a certificate? We’ll help you move fast.
Have this handy:
- Trade/operations details
- Annual revenue + payroll
- Subcontractor usage
- COI requirements + jobsite addresses
What is Construction Insurance?
Construction insurance includes policies and endorsements tailored to contractors and jobsite risks—helping protect liability, employees, tools, and projects.
What does it cover?
Construction coverage helps protect your crew, job sites, and equipment from common risks.
Workers’ Compensation
Often requiredHelps cover employee injuries, medical costs, and lost wages related to the job.
- State rules vary
- Required for most payroll employees
- Important for bids and contracts
Builders Risk
Project coverageHelps cover buildings under construction, materials, and certain project-related losses.
- Fire, theft, vandalism (varies)
- Covers materials on-site/in transit (options)
- Policy matches project timeline
Tools & Equipment
Gear protectionHelps cover theft or damage to tools and mobile equipment used on the job.
- Portable tools and owned equipment
- Off-site storage options
- Deductibles apply
Commercial Auto
If you drive for workHelps cover vehicles used for business purposes, including vans and pickups.
- Liability + physical damage
- Hired/non-owned options may apply
- Important for fleet operations
Umbrella / Excess Liability
Extra limitsAdds additional liability limits above underlying policies for more protection on larger jobs.
- Useful for higher-risk contracts
- Often requested by GCs
- Cost-effective way to increase limits
Good to know
Many jobs require COIs with specific additional insured wording—send the requirements and deadline and we’ll turn it around fast.
Who needs it?
General contractors
Subcontractors
Electricians/plumbers/HVAC
Remodelers & handymen
Builders & developers
Need proof of coverage?
We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.
Frequently Asked Questions
Do I need insurance to work with a GC?
Most GCs require GL and often Workers’ Comp before you can start.
What’s a COI and why does it matter?
A Certificate of Insurance proves your coverage to clients/landlords.
Are my tools covered?
Some policies can cover tools/equipment—coverage depends on options selected.
Do I need Builder’s Risk?
If you own the project or are responsible for the structure, it may be required.
How fast can I get proof of coverage?
Often same day once the policy is active.
Get a Free Quote
Ready to protect what matters?
Request a free quote or speak with an agent.