INDUSTRIES
Construction
Construction Insurance for Builders Who Can't Afford a Gap
One uncovered exposure on a job site can undo months of work. We build insurance and risk management programs for general contractors, specialty trades, and developers who need coverage as solid as what they’re building.
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Where Construction Risk Actually Lives
Job-site accidents and third-party injury
General liability exposure is constant — subcontractors, visitors, and the public all create potential claims.
Weather, theft, and property damage during a build
A project under construction isn't a finished asset — it needs its own coverage while it's vulnerable.
Contract and bonding requirements
Many projects — public and private — won't let you bid without proof of bonding and specific liability coverage in place.
Subcontractor default
When a sub fails to perform, the cost of finding a replacement and absorbing delays lands on you unless you've planned for it.
Equipment loss and breakdown
Owned and rented equipment represents serious capital investment, often moving between job sites where it's exposed to theft and damage.
Regulatory and safety compliance
Workers' compensation, OSHA exposure, and experience modification rates directly affect both your risk and your bottom line.
Commercial Coverage Solutions
- General Liability Coverage for third-party bodily injury and property damage claims arising from your operations — the foundation of any construction insurance program.
- Builder's Risk Protects a structure under construction against fire, theft, vandalism, and weather damage from breaking ground through project completion.
- Workers' Compensation Required coverage for job-site injuries, paired with loss-control support to help reduce claims and manage your experience modification rate.
- Commercial Auto & Equipment/Inland Marine Coverage for vehicles and mobile equipment moving between job sites, including tools and machinery exposed to theft or damage in transit or on-site.
- Umbrella & Excess Liability Additional liability limits above your underlying policies — often required by contract on larger projects.
- Surety & Bonding Bid, performance, and payment bonds that satisfy contract requirements and give project owners confidence in your ability to deliver.
- Contractor's Pollution Liability Coverage for pollution incidents tied to construction activity, from soil disturbance to accidental discharge.
- Subcontractor Default Insurance Protects against the cost of replacing a defaulting subcontractor and completing unfinished work.
- Professional Liability / Design-Build E&O For contractors offering design-build services, coverage against claims of design error or negligence.
- Employment Practices Liability (EPLI) & Directors & Officers (D&O) Protection for ownership and leadership against employment-related claims and management liability exposure.
Bidding on a project with specific bonding or insurance requirements?
Bring us the contract — we’ll make sure you’re positioned to qualify.
Why Construction Companies Choose Apex
We know the job site, not just the policy.
Our advisors understand contractor operations — bidding requirements, subcontractor agreements, and the realities of running a project — so recommendations are grounded in how construction actually works.
We protect your ability to bid.
Bonding and coverage requirements can be the difference between winning a project and getting disqualified. We help make sure you're never caught short on a bid.
We stay in it through the claim.
When something happens on-site, we advocate for you through the entire claims process — not just at renewal.
Built for contractors of every size.
From a five-person specialty trade to a multi-crew general contractor, we tailor coverage to where your business is today and where it's headed.
How We Work with Construction Companies
1
Initial
Discovery
We learn your trade, your typical project size, your subcontractor relationships, and your current coverage and claims history.
2
Risk
Assessment
We identify gaps — bonding capacity, equipment coverage, subcontractor risk — before they become a problem on a bid or a job site.
3
Marketplace
Placement
We place your program with carriers who understand construction risk, balancing coverage, service, and cost.
4
Ongoing
Partnership
We review your program as your project mix changes, support you through claims, and help you stay ahead of bonding and compliance requirements.
Frequently Asked Questions About Construction Insurance
What insurance does a construction company need?
Most contractors need general liability, workers’ compensation, and commercial auto at minimum. Beyond that, it depends on what you build and how — a general contractor taking on public projects typically needs bonding and higher liability limits, while a specialty trade might prioritize equipment and tools coverage. We build the specific mix around your trade and project mix rather than starting from a generic package.
What's the difference between a bond and an insurance policy?
A bond is a three-party guarantee that you’ll perform the work or pay a subcontractor as agreed — if you don’t, the bonding company pays the claim and then seeks reimbursement from you. Insurance, by contrast, transfers risk away from you permanently — the insurer pays covered claims without expecting repayment. Most contracts requiring bonding also require specific insurance coverage, and we help you satisfy both.
What happens to my coverage when a subcontractor doesn't perform?
Without subcontractor default insurance, the cost of finding a replacement sub, absorbing schedule delays, and completing the unfinished work typically falls on you directly. Subcontractor default coverage is built specifically to absorb that cost, which is why it’s worth considering on any project with meaningful subcontractor scope.
How does builder's risk work if a project is delayed?
Builder’s risk policies are typically written for a specific project term, so a significant delay can mean the policy needs to be extended before it lapses. We track your project timelines and handle these extensions proactively so coverage doesn’t quietly expire mid-build.
Does my experience modification rate affect my insurance cost?
Yes — your experience modification rate (EMR) reflects your claims history relative to similar contractors, and it directly affects your workers’ compensation premium. A high EMR can also disqualify you from bidding on some projects. We pair coverage placement with loss-control support aimed at keeping your EMR in a range that protects both your safety record and your bidding eligibility.
What happens when I need to file a claim after a job-site incident?
You contact us first — we help you document the incident correctly, get the claim filed with the right carrier, and stay involved as your advocate through investigation and resolution, not just at the point of filing.