Construction & Contracting Insurance
Construction is one of the most scrutinized classes in the Florida market. Coverage turns on your trade codes, your subcontractor practices, and the wording in the contracts you sign.
Operations we write
Classes within Construction & Contracting.
General contractors, builders, and the specialty trades — including restoration and remediation risks that many agencies will not write.
- General Contractors
- Custom Home Builders
- Handyman Contractors
- Landscape Contractors
- Irrigation Contractors
- Spray Foam Contractors
- Restoration Contractors
- Water Mitigation Contractors
- Mold Remediation Contractors
- Fire & Smoke Restoration Contractors
- Biohazard & Crime Scene Cleanup Contractors
What we focus on
Where construction & contracting programs succeed or fail.
These are the specific points we examine before approaching the market on your behalf.
Subcontractor requirements and certificate tracking
Additional insured and waiver of subrogation wording
Contractors pollution liability for remediation work
Builder’s risk on active projects
Payroll verification ahead of audit
Advisory work
What we do before we quote your business.
Understand the business
We start with how you actually operate — what you do, who you employ, where you work, and what you have committed to contractually.
Verify exposures and supporting data
We confirm values, payroll, sales, loss history, and schedules so the submission stands up to underwriting scrutiny.
Prepare organized submissions
We present your business professionally to the market, in the format underwriters want to receive it.
Coverage
Programs commonly structured for this sector.
- Commercial General Liability
- Business Owners Policies (BOP)
- Commercial Property
- Business Personal Property
- Workers’ Compensation
- Commercial Auto
- Inland Marine
- Garage Liability
- Garagekeepers Liability
- Excess Liability
- Commercial Umbrella
- Liquor Liability
- Contractors Pollution Liability
- Professional Liability (Errors & Omissions)
- Cyber Liability
- Flood Insurance
- Builder’s Risk
Other sectors
More industries we serve.
Hospitality & Food Service
Restaurants across every service model, from quick service to fine dining, including liquor and lounge exposures.
Explore HospitalityRetail Operations
Single-site and multi-location retail, including classes that standard markets often decline.
Explore RetailAutomotive
Dealers, recyclers, parts operations, and commercial fleets — including garage and garagekeepers exposures.
Explore Automotive
Let’s review your construction & contracting program.
A consultation costs nothing and carries no obligation. We will look at what you have, tell you plainly what we see, and let you decide where to go from there.
“The Best at Getting Better.”
ProfessionalConsultativeCommitted to Improvement