Built for construction trades
Protect your crew, tools and jobsites while you keep projects on schedule. Unexpected setbacks, a jobsite injury, property damage, a company vehicle accident or a data breach can slow work and add cost. Our small business team helps you line up coverage that matches how you bid, build and get paid.
What we cover
At Gallagher, we regularly work with all parts of the construction business and we understand the unique challenges you face. Our small business advisors collaborate with you to craft an insurance program that addresses your specific needs. Learn more about coverage options below:
- Business owner's policy (BOP): Core protection for your building/office, equipment, and income if you can't operate after a covered loss.
- Commercial auto: For company vehicles used to haul materials, move crews or pick up supplies; helps cover certain damages and third‑party injuries.
- Cyber: Helps with breach response costs if project or client data is compromised, including notifications and identity/credit monitoring.
- Professional liability: If a professional service, plan or oversight error leads to covered damage, this can help with related claims.
- Umbrella / excess liability: Extra protection when a major claim exceeds your primary limits.
- Workers' compensation: Medical care and wage replacement for covered jobsite injuries.
- Surety bonds program: Surety bonds provide financial assurance that projects will be completed according to contract obligations.
Why contractors in construction choose Gallagher
Choice: We offer more value from broader market access: Backed by Arthur J. Gallagher, we leverage deep carrier relationships to match you with the right coverage at the right price.
Construction know‑how: Our licensed small business team works with general and specialty contractors every day and understands the risks you face.
Claims advocacy: If something happens, we help you communicate with your carrier and move claims forward — fast.
Support that fits your pace: Use our self‑service portal 24/7, or speak with an advisor whenever you need help.
How we work with you
Construction businesses encounter numerous risks each time a project begins. Whether you're managing residential builds, commercial renovations, or infrastructure projects, unexpected issues can arise that put your operations at risk. Our team of small business risk specialists collaborates daily with general contractors and specialty construction firms, fully grasping the unique challenges you face.
Our licensed insurance professionals speak your language, aiming to make your experience straightforward and stress-free. We dedicate time to:
- Listen: We learn how your jobs are scoped, scheduled and staffed — employees vs. subs, tools and equipment and vehicles.
- Gather: We collect what's needed (applications and basics) so you don't have to repeat yourself.
- Negotiate: We go to market for comprehensive, construction‑specific coverage and surety options.
- Review: We walk you through a clear proposal — line by line.
- Secure: We bind coverage and bonds so your business stays protected.
Ready to protect your construction business?
Get construction insurance tailored to your needs.