Construction Insurance

construction video

Specialized Insurance Solutions for the Construction Industry

With flexible solutions, industry expertise and innovative technology, we can help protect your construction business from a variety of risks.
construction video

Specialized Insurance Solutions for the Construction Industry

From data centers and bridges to sports stadiums and hospitals, we know construction businesses work on projects of all types and sizes. We also know the unique challenges you and your employees face in this industry.
Our underwriting, claims and risk engineering teams specialize in addressing the needs of the construction industry. We can work with your agent or broker to customize contractor or construction insurance solutions that fit your business best.

Who We Serve

We can help protect a variety of midsize and large construction contractors, including:
  • Commercial general contractors
  • Concrete
  • Electrical
  • HVAC
  • Iron or steel
  • Servicios públicos

Are You a Smaller Firm?

Smaller construction companies typically need special insurance coverages.

Specialty Property and Liability Coverages to Meet Construction Needs

We know every construction business is unique. That’s why we offer specialized solutions to create a customized policy that fits the needs of your construction business.
You can get these solutions as monoline coverage, or bundle multiple products into multi-line coverages to create a construction insurance policy.
Some coverages you can get include:
General Liability Choice® with our contractor’s broad form endorsement. This provides:
  • Limited professional liability
  • Blanket per-project and per-location general aggregate
  • Limited wrap-up coverage for completed operations
  • Contractual liability coverage that extends to personal and advertising injury
Workers’ compensation insurance to help your employees recover from a work-related injury or illness and return to work faster. We provide services and insights that can help you run a safer construction business to help keep your employees safe.
CPPI+, which includes both contractors’ pollution liability (CPL) and contractors’ professional and protective indemnity (CPPI) coverages.
OPPI+, is designed to help protect a construction project owner’s balance sheet by providing a layer of excess professional liability insurance coverage over the professional coverage of contracted design and construction professionals. OPPI+ also provides defense and indemnity for third party claims against a project owner for construction professional errors and omissions made on the owner’s behalf.
Owner’s and contractor’s protective liability to help protect general contractors or subcontractors from claims of bodily injury or property damage when doing work at a job site.
Railroad protective liability, which helps protect workers from claims that their work on or near a railroad caused bodily injury or property damage to someone else’s belongings.
Builder’s risk insurance to help protect buildings and structures that are under development, renovation or construction. It also helps protect the equipment you use in construction projects.
Contractor’s equipment coverage, which can help pay the replacement costs for equipment that was purchased in the last five years. This coverage applies to equipment that your construction business rents or leases to other companies.
Installation coverage to help safeguard your profits. In the event of a covered loss, we’ll reimburse your business for the pro rata percentage of profit you’ve earned on the job up until the accident. You’ll get up $10,000 in coverage to re-erect undamaged property. It also offers up to $100,000 of coverage for:
  • Temporary structures
  • Constructions forms
  • Fences and signs
Wrap-up programs for owner-controlled and contractor-controlled construction projects. We provide insurance solutions for new, expansion or renovation projects and maintenance work projects with:
  • $200 million or more in projected costs
  • $40 million or more in payroll
  • Public-private partnership (P3s)
  • Single or multiple projects, sites, years or states
  • Excess wrap limits on follow form basis for single site CCIPs
Cyber liability insurance to help your construction business prepare for, respond to and recover from a cyberattack or ransomware.
Management liability insurance, which includes coverages for:
  • Directors, officers and entity liability
  • Employment practices liability
  • Fiduciary liability
  • Kidnap/ransom and extortion
  • Crime
Contractors Pollution Liability - Environmental damage, property damage & bodily injury coverage for pollution incidents caused by work performed by contractors at a third-party job site.
Construction Surety Bonds - Construction bonds are specifically underwritten to help meet the needs of general, highway/heavy, trade and specialty contractors and used to guarantee their business obligations.

Lowering Risks in Construction Since 1975

Nuestra página risk engineering specialists provide construction-specific services to help businesses control losses. From operating cranes and blasting rock, to repairing bridges, digging trenches and erecting scaffolds, the construction industry has its share of risks.
We understand those risks. And we have the knowledge of appropriate and realistic solutions to help prevent or control these hazards.
Our risk engineering services can benefit your construction or contractor business through:
  • Pre-construction planning assistance
  • Job site surveys by experienced construction Risk Engineering Consultants
  • Safety program development assistance
  • Loss analysis
  • Industrial hygiene lab, AIHA-accredited**
  • Training assistance
  • Supervisory leadership and safety management workshop
  • eLearning Seminars
  • Resource materials including Technical Information Papers and Tool Kit Talks
  • Monthly Construction Newsletter
  • Vendor discounts

Specialized Insurance Solutions for the Construction Industry

Insightful Claims Team Dedicated to Construction Businesses

As one of the top workers’ compensation and group benefits carriers, we know how to handle claims.
Our claims specialists understand the issues your construction business deals with and the effect that outcomes can have on your bottom line. We manage claims with a team of professionals that includes our:
  • Latent Property Damage Group, specializing in construction defect claims.
  • Large loss team, focusing on high-value bodily injury and property damage claims.
  • In-house counsel, providing legal support to our construction claims personnel.
  • Established long-term relationships with defense counsel and construction defect experts.
  • Network of preferred healthcare providers with negotiated rates, nurse case managers, medical bill review and other services.
  • Special investigation unit, a team of investigators with an average of 20 years’ experience in detective work.

Unique Offerings for Larger Educational Institutions

Track Risk. Explore Opportunities. (TREO)SM

Our risk management information system designed to simplify claims management and help lower loss costs.

ClaimPlus Team®

A team of professionals who work with each client’s operations and risk exposures.

Construction Newsletter

Receive monthly construction best practices, tips, and more.

The Hartford at IRMI

Information for IRMI Construction Risk Conference attendees and participants.
Construction Testimonial

Our Construction Clients’ Stories

See what our clients think about construction coverage from The Hartford.
Spotlight on Specialty: Construction

Spotlight on Specialty: Construction

David DeSilva, Head of Construction, sits down with Mike Heidrick, Head of Construction Bond, and Kyle Sternadori, Head of Excess Casualty, to discuss the evolution of the construction market.

Por qué elegir The Hartford

200+ years
financial strength
Ethical company award
** The Hartford’s Risk Engineering Laboratory (ID 100124) has been accredited by the AIHA Laboratory Accreditation Programs (AIHA-LAP), LLC for Industrial Hygiene and Unique Scopes, as documented by the Scope of Accreditation Certificate and associated Scope.
1 Financial ratings as of December 31, 2019.
Divulgaciones adicionales a continuación.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.