Business Solutions
Contractor Insurance.
Built for the Trade.
Construction and contracting operations carry unique and significant risks. We structure comprehensive insurance programs for Massachusetts contractors — from sole proprietors to multi-crew operations.
Coverage Components
Contractor Insurance Program
General Liability
Covers third-party bodily injury and property damage claims arising from your contracting operations, including completed operations coverage for work already performed.
Builder's Risk
Covers buildings and structures under construction against fire, theft, vandalism, and weather damage during the construction period.
Inland Marine / Tools & Equipment
Covers contractor tools, equipment, and materials in transit or at job sites against theft, damage, and mysterious disappearance.
Commercial Auto
Covers company-owned vehicles, pickup trucks, and work vans used in your contracting operations for liability and physical damage.
Workers Compensation
Required by Massachusetts law for any contractor with employees. Covers medical expenses and lost wages for work-related injuries.
Professional Liability (E&O)
Covers claims arising from design errors, specification mistakes, or professional advice given as part of design-build or consulting services.
Who We Serve
Contractor Specialties We Cover
Contract Compliance
Meeting Contract Insurance Requirements
We understand that insurance requirements are often the difference between winning and losing a contract. We structure your program to meet the requirements you encounter most frequently.
Certificate of Insurance (COI)
Most general contractors and property owners require subcontractors to provide a COI before beginning work. We issue COIs quickly and can add additional insureds as required.
Additional Insured Endorsements
Many contracts require you to add the property owner or GC as an additional insured on your policy. We handle these endorsements efficiently.
Waiver of Subrogation
Some contracts require a waiver of subrogation endorsement. We ensure your policy includes this provision when contractually required.
Minimum Coverage Limits
Contract requirements vary widely. We structure your program to meet the highest limit requirements you regularly encounter, avoiding delays at contract execution.
Get Your Contractor Program Quoted
Our commercial lines specialists understand the construction industry. We'll structure a program that meets your contract requirements and protects your business.
Request a Contractor Quote