Before work begins
Bring the insurance exhibit from the contract. Additional insured wording, limits, and completed operations requirements deserve a review before you agree to them.
BUSINESS INSURANCE / GENERAL CONTRACTORS
A lot rides on the job. Let’s protect the business behind it.
From the first estimate to the final walkthrough, you’re responsible for more than your own workmanship. Ironhill helps general contractors review insurance around their projects, crews, equipment, and contract requirements.
THE WORK BEHIND THE BUSINESS
Insurance for general contractors.
Grounded in your day to day.
New construction, remodeling, and construction management can raise different insurance questions. Tell us which jobs you perform yourself, which you subcontract, and how large your projects can become. A useful review starts with that working picture.
While the site is active
People, equipment, and unfinished work share the same space. Ask separately about third-party liability, tools away from your premises, and property under construction.
After the handover
An allegation may arrive after the crew has left. Review how completed operations are addressed and which kinds of work are excluded.
A PLAN WITH THE RIGHT PIECES
Coverage that deserves a closer look.
Start with the risks behind your work. We’ll help you explore available options, understand the differences in terms and choose the pieces that make sense for your business.
General Liability Insurance
Review third-party injury, property damage, and the activities described in your policy.
Explore this coverageWorkers’ Compensation Insurance
Review the work your team performs, payroll, and the locations where they work.
Explore this coverageCommercial Auto Insurance
Look at vehicles, drivers, and business use, including hired and non-owned auto questions.
Explore this coverageCommercial Umbrella & Excess Liability
Review additional liability limits alongside the coverage and conditions of underlying policies.
Explore this coverageThese are starting points for a review, not a complete list or a promise of coverage. Policy terms, exclusions and insurer eligibility apply.
AS YOUR BUSINESS CHANGES
Before you take on a larger project
A move from kitchen remodels to whole-home construction can change more than the size of your estimate. Project value, subcontracted work and responsibility for unfinished property all belong in the insurance conversation.
Send the proposed contract before signing. We can help you work through the insurance requirements, identify questions for the insurer and keep certificates and policy changes from becoming a last-minute scramble.
Talk through your next stepA QUOTE THAT STARTS WITH YOU
What goes into your insurance quote?
Two businesses in the same industry can need very different plans. Alongside your location, claims history, limits and deductibles, these details help shape the conversation.
- Project types and maximum contract value
- Employee payroll and subcontractor costs
- Contract limits and completed operations requirements
A LITTLE MORE CLARITY
Your questions.
A useful starting point.
Need to talk through something specific?
Ask Ironhill ↗Is a certificate enough to meet a construction contract?
A certificate provides evidence of insurance; it does not change the policy. Share the contract so limits and any required endorsements can be checked against the actual coverage.
Are tools and work in progress part of general liability?
General liability is not a substitute for property coverage. Ask about tools and equipment coverage, builders risk, and installation exposures for the work you take on.
What affects the cost of insurance for general contractors?
Pricing depends on the work you do, where you operate, your claims history and the coverage you select. Details such as project types and maximum contract value, employee payroll and subcontractor costs, contract limits and completed operations requirements help an insurer assess your business. We’ll help you compare the available terms as well as the premium.
Can I request a quote before I have every document?
Yes. Start with your business activities and the information you have. We can help identify what else is needed to explore options. Submitting a request does not put insurance in force.
A CLEAR NEXT STEP
Start with a conversation.
Leave with a clearer picture.
- 01
Tell us about the business.
Share what you do, where you work, and what prompted you to look at insurance.
- 02
Work through the details.
We’ll help identify coverage questions, documents to gather, and options to explore.
- 03
Decide with the details in view.
Review the available terms, limits, and costs before choosing your next step.
YOUR NEXT STEP
Let’s put your business in the picture.
Starting out, approaching renewal, or taking on something new? Tell us where you are. We’ll help you work through what comes next.
Coverage options depend on your operations, location, and insurer eligibility. A request does not bind coverage.