Construction Insurance

Contractors face physical hazards and liability risks on the job every day.  With construction insurance from O’Connor & Co. Insurance Agency, Inc., though, you can help minimize your risks and concentrate on the job at hand.

Whether you are a general contractor, electrician, plumber, roofer or other specialty tradesperson, we can help you craft a policy specific to your needs.  Our comprehensive construction insurance policies typically include:

• General Commercial Liability – This provides payment for injuries or property damage sustained by a third party while on your premises.
• General Property Damage – Typically covers hand tools and materials but additional coverage is available for generators, welders and other expensive specialty equipment.
• Workers Compensation – As mandated by state laws for employees of your business.  If you are a general contractor, be sure that all subcontractors carry their own workers compensation insurance to minimize your own risks.
• Builder’s Risk Insurance – This covers physical damage to a building during the construction process.  Builder’s risk insurance is usually required by lenders prior to financing a project.
• Commercial Auto – This covers damage to company cars, trucks, vans and trailers used for business, as well as injuries and damages caused by an employee driving accident.  

Whether you are a general contractor in Massachusetts or an independent tradesperson in Connecticut, contact O’Connor & Co. Insurance Agency, Inc. today for more information about creating an affordable construction insurance policy for your company.