Construction is one of the most complex industries to insure. Between managing subcontractors, operating heavy equipment, and working on job sites with dozens of moving parts, the exposure a construction company faces goes far beyond what a standard business insurance policy covers.
Most contractors know they need construction insurance. What many do not realize is how many gaps exist in their current program until a claim comes in.
Builders risk covers buildings and structures under construction against fire, theft, vandalism, and certain weather events. Without it, a single storm or fire on a job site can result in six-figure uninsured losses — and a held-up certificate can stop the next mobilization.
Many public and private contracts require surety bonds before work begins. Missing the right bonding profile can disqualify you from bids you are otherwise qualified to win.
Construction work carries high injury frequency. Workers compensation is required in most states, and your experience mod directly affects whether GCs will let you on site.
Service vans, pump trucks, and crew vehicles need commercial auto structured for how contractors actually run — not a personal policy or generic business auto schedule. Commercial plumbing and pump contractors, water, sewer, and utility contractors, electrical contractors, and HVAC and mechanical contractors often feel this renewal first.
AOR Insurance, a division of the Sihle Insurance Group, helps middle-market contractors build programs around real operations — GL, auto, WC, umbrella, builders risk, and trade-specific placement.
Call (866) 685-0661 or upload declarations on the Construction page for a plain-language review in 24–48 hours.
AOR - Division of Sihle Insurance
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