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(844) 444-KERN
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Commercial Construction
Solutions

Your commercial construction business has unique risks; you should work with insurance experts that understand your coverage needs.

Commercial Construction
Solutions

Your commercial construction business has unique risks; you should work with insurance experts that understand your coverage needs.

What insurance does a construction company need?

Construction business insurance is highly regulated by the state and federal governments. We recommend consulting an insurance expert, like Kerns Insurance, to review what the local and federal requirements are for your construction business.

It’s pretty widely required that all construction companies hold Construction General Liability coverage which protects the company from financial obligations due to injury of visitors and workers on the site. Other coverages, such as Commercial Auto Insurance, Workers' Compensation, and Inland Marine Coverage, to consider may depend on your state regulations and the size of your business.

General Liability Insurance

Protect your company’s financial future from unforeseen injuries on your construction site with a General Liability Insurance policy. This coverage is usually required in a construction contract or by the state regulations.

Workers' Compensation

Workers' Compensation is required for all construction businesses in the United States. If your employee is injured while working at your job site, a workers' compensation plan will cover their loss of income and medical bills.

Inland Marine Coverage

Inland Marine Insurance pays for losses to movable or specialized types of property on land, not water, including construction equipment. This would be important, for instance, if you own a fleet of equipment that is transported from job to job.

Commercial Auto Insurance

Much more complex than a typical auto insurance plan, commercial auto insurance has five sections that define the coverage. We provide best in industry policies and experts to help you navigate the right coverage.

Construction Bonds

If your business is required or desires to carry a surety bond for your construction contracts, we can help you financially guarantee your project.

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