Third-party injury and damage
A subcontractor, a passerby, or a client's property gets hurt or damaged on the job. General liability answers the claim.
Construction and Contractors Insurance
From artisan contractors to general contractors running complex projects, we build coverage around the job. When a risk is hard to place, we take it to the excess and surplus lines markets that standard carriers turn down.
What we cover
Common exposures in this line of work
Contracts and additional insureds
Owners and GCs demand you carry limits and name them as additional insured. Miss the endorsement and you lose the job.
Tools, equipment, and materials
Gear walks off the site or materials are damaged before they are installed. Inland marine and builders risk fill the gap.
Employee injuries
The trades are physical work. Workers' compensation covers medical costs and lost wages when a crew member is hurt.
Coverage
Coverage construction and contractors businesses carry
General Liability
The base layer for jobsite injury and property damage claims.
Workers' Compensation
Required in California once you have employees on the crew.
Commercial Auto
Trucks, trailers, and equipment hauling between sites.
Commercial Umbrella
Extra limits above GL and auto when a contract demands them.
Excess and Surplus Lines
For demolition, roofing, and other risks standard carriers decline.
Specialty market access
When a standard carrier declines the risk, we take it to the excess and surplus lines markets built for it.
Certificates without the wait
COIs and additional insured endorsements issued quickly, so you never hold up a job, a lease, or a load.
A licensed California broker
You work with a licensed broker who knows this line of work, not a call center reading a script.
Learn more
Related from the Menlo Library
Let us place your construction and contractors risk
Tell us about the operation. We will find the market, standard or surplus lines, that fits it.