Contractors Insurance

Part of having a successful construction company, whether a small business or a larger corporate entity, is reducing ongoing expenses such as insurance premiums. At Minuteman, our risk specialists can help you minimize your risk and stay protected.

Insuring contractors and sub-contractors is a specialty requiring industry-specific expertise in order to assess your risk, transfer the risk either contractually or via insurance, assure full compliance with government regulations and safety protocols and continual monitoring and follow up of the results.

Contractor in blue hardhat giving a thumbs up

Just as you wouldn’t wear a ballcap for head protection at a construction site, don’t be under-protected with inadequate insurance. Talk with one of our licensed commercial insurance specialists to have solid protection for your business.   

What is Construction Insurance?

At Minuteman Insurance, you get a construction insurance package customized for your business. Generally, basic contractor insurance includes the following types of policies:  

  • General liability coverage (GLC),
  • Builder’s risk policy including building site insurance,
  • Workers’ compensation,
  • Commercial auto insurance, which depending on the type of construction industry may include heavy construction equipment such as dump trucks, pump trucks etc., and
  • Professional liability.
  • Products and completed operations
  • Equipment Floaters
  • Surety bonding
  • Group health insurance

Have questions about the type of contractor liability insurance you need? Or looking for ways to reduce your insurance rates? Talk with one of our knowledgeable construction risk insurance specialists to find out more.

Do you need Construction Insurance coverage for your business?

From self-employed small business owners with no employees to larger construction companies with numerous employees and contractors, the right construction insurance can protect your property and assets, your business income, and your employees’ health and livelihood.  

Construction insurance is designed to the needs of construction professionals:

  • General building contractors in commercial and industrial fields
  • Heavy construction contractors for infrastructure
  • Specialized trade contractors
  • Home improvement companies—small business owners to large renovation firms

Contractors in particular who can benefit from Minuteman personalized construction insurance:

  • Carpenters
  • Home Builders
  • Electricians
  • Developers
  • Renovators
  • Welders
  • Street, Road and Highway contractors
  • Tile Contractors
  • Excavation Contractors

What other types of coverage does Minuteman Insurance offer contractors and construction professionals?

Along with the basic types of contractor insurance mentioned above, other coverage can include:

  • Contractors Pollution Liability
  • Directors and Officers Liability
  • Inland Marine Insurance
  • Cyber Liability
  • Project Specific coverage such as wrap-ups
  • Railroad Protective Liability—required if you work within 50 feet of a railroad or its property
  • Umbrella and Excess Liability

Talk with one of our knowledgeable agents to get a comprehensive contractor insurance package customized just for you.

Why choose Minuteman for your commercial business insurance needs?

You work with local trusted insurance advisors

Our  New Hampshire agents take the time to understand the unique coverage requirements your company has. We tailor insurance policies to contracting professionals in New Hampshire as well as many other states.

You get cost-effective coverage

Our licensed commercial insurance specialists compare insurance providers to find the most economical coverage for your construction or contracting company.

Our claims specialists are on the ball

If you ever do need to file a claim, our individualized attention from our knowledgeable claims specialists will help you obtain your payouts faster—so you can keep your business rolling. And if your claim is initially rejected, our team goes to bat for you.

Contact us for a competitive construction insurance coverage quote by talking with one of our friendly and knowledgeable agents today.


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