Construction and Contracting Coverage with Road Ready Insurance Agency

At Road Ready Insurance Agency, we specialize in providing comprehensive insurance solutions tailored specifically for commercial construction companies and contractors. With extensive expertise in the construction industry, we understand the unique challenges you face and are committed to delivering customized coverage to protect your business, projects, and assets.

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Coverage Types for Construction and Contracting Companies

• General Liability Insurance

  • Protects against third-party claims for bodily injury, property damage, and personal injury.
  • Coverage includes legal fees, medical expenses, and damages resulting from accidents on your job site or work premises.

• Workers' Compensation Insurance

  • Required in most states, this covers employees' medical expenses, lost wages, and rehabilitation costs in the event of workplace injuries or illnesses.

• Commercial Auto Insurance

  • Protects company vehicles used for business purposes, including trucks, vans, and heavy equipment transportation vehicles.
  • Coverage includes liability, collision, comprehensive, and uninsured/underinsured motorist coverage.

• Builder's Risk Insurance

  • Provides coverage for buildings under construction, including materials, equipment, and fixtures.
  • Protects against damage caused by fire, theft, vandalism, or natural disasters.

• Professional Liability Insurance (Errors & Omissions)

  • Covers claims related to design flaws, project management errors, or professional negligence.
  • Protects against damage caused by fire, theft, vandalism, or natural disasters.

• Contractor's Equipment Insurance

  • Protects valuable tools and equipment against theft, damage, or loss, both on and off job sites.
  • Coverage includes cranes, bulldozers, excavators, and other heavy machinery.

• Excess and Umbrella Liability Insurance

  • Provides additional coverage limits above your existing liability policies, offering protection against catastrophic claims.

• Inland Marine Insurance

  • Covers goods, tools, and equipment transported to and from job sites.
  • Ideal for contractors moving high-value equipment or materials.

• Pollution Liability Insurance

  • Covers claims arising from environmental damage, including the release of pollutants during construction operations.
  • Includes cleanup costs and third-party claims.

• Employment Practices Liability Insurance (EPLI)

  • Protects against claims related to employee harassment, discrimination, or wrongful termination.

Equipment Typically Covered

Road Ready Insurance Agency offers protection for a wide range of construction equipment, including:

• Excavators, bulldozers, and backhoes
• Cranes and lifts
• Generators and compressors
• Hand tools and power tools
• Scaffolding and temporary structures

Insurance Requirements for Construction Companies

Meeting insurance requirements is essential for compliance and securing contracts. Most construction projects require proof of the following:

• General Liability Insurance to comply with state regulations
• Workers' Compensation Insurance with minimum limits as specified in contract agreements
• Auto Liability Insurance for all company vehicles
• Builder's Risk Insurance for ongoing projects
• Surety Bonds for guaranteeing project completion and contractual obligations

Why Choose Road Ready Insurance Agency?

• Expertise in commercial construction and contractor liability
• Nationwide coverage options tailored to your specific business needs
• Competitive rates and flexible policy terms
• Dedicated claims support and risk management guidance

Protect your business with a partner who understands the construction industry inside and out. Contact Road Ready Insurance Agency today to learn more about our tailored insurance solutions and receive a customized quote.

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Questions?

Have questions? We're here to help. Give us a call or send an email, and our team will get back to you right away!

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