Construction Company Insurance — Coverage, Cost & Requirements
Construction companies managing crews, subcontractors, equipment, and multiple simultaneous projects need insurance that matches the scale and complexity of their operations. Unlike a solo trade contractor, a construction company carries third-party liability for every worker on the jobsite — including subs — plus builders risk exposure for structures under construction, equipment floater coverage for machinery across multiple sites, and commercial auto for an entire fleet. Construction company insurance is typically structured as a package: GL, workers' comp, builders risk, equipment floater, and commercial umbrella, with certificates issued per project for owners and lenders.
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What Coverage Does Construction Company Insurance Include?
Most construction company businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Builders Risk
Covers buildings under construction — materials, equipment, and the structure itself.
Equipment Floater
Equipment Floater coverage tailored for construction company businesses.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
Umbrella
Adds a layer of protection above your primary policy limits — typically $1M–$5M additional.
How Much Does Construction Company Insurance Cost?
The cost of construction company insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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