Build the right construction contractor insurance plan and reduce your risks on- and off-site.
Request a quoteContractor Insurance
Bozzuto Insurance Services develops tailored plans that provide coverage for your specific construction needs. With 40+ years of experience in the contractor and construction insurance industry, we build programs around what you actually do, not a generic small business policy.
Our contractor insurance plans cover exposures to general liability, professional liability, equipment, property, pollution, commercial auto, umbrella or excess liability, workers’ compensation, employment practice liability, cyber liability, wrap-up or OCIP programs, surety bonds and many other specialty insurance products for the construction industry.
Why Contractor Insurance is Different
General Liability and Completed Operations
Every job carries risk of property damage or injury, on-site and after the work is done. General liability covers third-party injury and property damage during construction, and completed operations coverage extends that protection after the project wraps, when a defect or issue shows up months or years later.
Workers’ Compensation
Contractors rely on physically demanding labor, often across shifting job sites and crews. Workers’ comp isn’t optional in most cases, it’s required the moment you have employees, and gaps here are one of the most common (and costly) mistakes we see.
Equipment and Property Exposure
Tools left in a truck overnight, equipment stored in a job site container, materials waiting to be installed, all of this carries real value and real risk. A comprehensive contractor policy accounts for mobile equipment and materials, not just your shop or office.
Employment Practices Liability and Cyber Exposure
Contractors with employees or subcontractors carry exposure beyond the job site itself. Employment claims like wrongful termination or harassment allegations are increasingly common, and so are cyberattacks targeting project data, billing systems, or client information. Both are worth building into your coverage, not treating as an afterthought.
Pollution and Environmental Liability
Standard general liability policies often exclude pollution-related claims, mold, lead paint, or contamination disturbed during renovation or demolition work. Trades like plumbing, roofing, and remediation frequently need separate pollution liability coverage to close this gap.
Bonds, Certificates, and Contract Requirements
Winning and keeping work often depends on paperwork moving fast, license bonds, certificates of insurance, and additional insured endorsements are frequently required before you can bid or get paid. A slow turnaround here can cost you the job as much as a coverage gap can.
What’s Typically in a Contractor Insurance Program
| Coverage Type | What It Covers | Required in CA? |
|---|---|---|
| General Liability (CGL) | Bodily injury, property damage, and completed operations on the job site | Required by most contracts and project owners |
| Workers Compensation | Employee injuries | Mandatory once you have employees |
| Commercial Auto | Company vehicles, tools in transit, and employees driving to job sites | Required if you have company vehicles |
| Equipment / Property Coverage | Tools, mobile equipment, and materials stored on trucks or at job sites | Recommended for all contractors |
| Employment Practices Liability (EPLI) | Harassment, wrongful termination, and other employee claims | Not required but critical |
| Cyber Liability | Data breaches and compromised project or billing systems | Increasingly required by clients and vendors |
| Contractor Pollution Liability | Mold, lead paint, and contamination disturbed during work | Project-specific, common for plumbing and roofing |
| Professional Liability (E&O) | Design errors and faulty plans for architects, engineers, and design-build contractors | Contract-dependent |
| Surety / License Bonds | Bonding required to obtain or maintain a contractor’s license | Required by most state licensing boards |
| Umbrella / Excess Liability | Additional limits above your primary liability policies | Often required by larger contracts |
Contractor Types We Insure
Bozzuto works with a wide range of businesses across the construction industry, including:
- General Contractors and Builders
- Architects and Engineers
- Electrical Contractors
- Drywall, Plaster, and Ceiling Contractors
- Roofing Contractors
- Drilling Contractors
- Plumbing Contractors
- Solar Contractors
- Concrete Contractors
- Underground Utility Contractors
- Sheet Metal and Air Conditioning Contractors
- Fence Contractors
- Overhead Door Contractors
- Pool and Spa Contractors
- Landscaping Contractors
Why Contractors Choose Bozzuto
40+ Years of Contractor Insurance Experience
We’ve been covering general contractors and specialty trades for over 40 years. That experience shows up in the programs we build, not just the policies we sell.
Certificate Turnaround That Keeps You Working
Our dedicated certificate department processes certificates of insurance and additional insured endorsements fast, because a delayed cert means a delayed payment. We know the importance of getting these to your certificate holders and making sure your insurance requirements are met on time.
Specialists Who Understand Construction Risk
Contractor insurance is our specialty, not one line item among dozens. We evaluate your project’s insurance requirements and contracts to build a plan that adequately protects your business during construction and after.
40+ Carriers Means We Find the Right Fit
We’re not tied to one insurance company. We shop your risk across 40+ carriers, including specialty construction programs, to find coverage that actually fits your business at a competitive rate.
Insurance Requirements Vary by State
Contractor insurance requirements, including licensing bonds, workers’ comp rules, and liability minimums, differ from state to state. We currently offer an in-depth breakdown for California contractors, with more states coming soon.
California Contractor Insurance
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