Construction Insurance — Coverage, Cost & Requirements
Broad construction insurance covering GL, workers' comp, builders risk, and equipment.
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What Coverage Does Construction Insurance Include?
Most construction 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 businesses.
Commercial Auto
Covers vehicles used for business — including accidents, theft, and damage.
How Much Does Construction Insurance Cost?
The cost of construction 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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NEXT Insurance lets you get a quote, buy a policy, and download your certificate of insurance entirely online. No agent calls required. Backed by Munich Re's A+ AM Best rating.
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