Contractors and BuildersInsurance Advice for Contractors and Builders

Whether you are a big project contractor, residential builder, general contractor or a sub-trade, you realize every project is different and therefore, every insurance risk is unique.  There are over 200 potential risks on every construction project, and many are not directly insurable.  You need the right insurance coverage, at a competitive price, with a policy that makes sense with your business and project needs.

We know that your business and your customers can’t wait for unforeseen issues to clean themselves up, so isure gives you no-nonsense policies with a comprehensive breadth of options, and their brokers give you a full overview of risk management advice, that you simply won’t get from big-box insurance.

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isure Insurance Guidance
  1. Construction can be a hazardous, risky and increasingly-regulated, with risks that require proactive solutions. Our team of brokers empathizes with the pressures you are under and try to understand your objectives and challenges to develop solutions that address your complex needs … in a non-complex way. Let us help you build from the ground up:

  2. Commercial General Liability

    Due to the nature of your operations, there is the heightened risk of causing injury or property damage to employees and third parties. Possible examples:
    - Cutting power lines, disrupting service to other homes or businesses in the area
    - Tools, power cords, and scrap posing trip hazards
    - Falling tools, power cords, and scrap pose as tripping hazards
    General Liability coverage makes sure you are protected while work is being done and after it is completed, from acts of god, human errors, accidents, malpractice or defective materials.

  3. Commercial Automobile Liability

    Ensuring owned and non-owned vehicles used for business purposes are properly insured and carefully operated.

  4. Property Insurance

    Covering items (tools and equipment) that might be kept at your home, in your vehicle or on a job site, and coverage for your business contents or a building such as your office location.

     

  5. Contractor’s Professional and Protective Indemnity

    Covers against any legal liability arising from professional activities or negligence.

  6. Product Liability Insurance

    Covers any injury to people or property from products supplied by the business, during or after a project is completed.

  7. Equipment Breakdown Insurance

    Most commercial property policies don’t cover accidental equipment breakdown, and with the cost of some construction equipment this might need to be wisely added.

  8. Contractors Pollution Liability

    Covers direct damage or third party environmental damage and clean up, caused by pollution conditions resulting from the performance of work.

  9. Commercial Umbrella Policy

    Provides over-and-above limits to supplement those of a Commercial General Liability and Automobile policies, as well as additional liability coverage not contained in the general liability.