The construction industry is very diverse and specialized. Contractors, professional service providers, and suppliers are all attempting to assume or shift the risk of their respective operations via contractual language and insurance requirements. Many contractors do not realize the extent of their exposure to loss or risk until they have been involved in a lawsuit or significant claim.
Construction insurance is also very specialized. The insurance policy language, exclusions, and endorsements are distinct. The ways the policies are rated, the audit provisions, and the various types of deductibles and SIRs are all elements that should be understood. Considering insurance policies that are not designed to meet the ongoing needs of the construction industry is a gamble you should not be willing to take.
The Harris Insurance team has been involved in providing construction insurance to the construction industry since the 1970’s. Whether it is a General Liability, Builders Risk, Contractors Equipment, Commercial Auto, Pollution Liability, or Workers’ Compensation policy, Harris Insurance has the expertise to tackle the needs of contractors and other industry professionals. Let our long-term, industry focus translate into the instant, value-added expertise you deserve. Our proprietary, construction insurance comparison process will allow you to make the best overall coverage and service offering decisions. We believe that Informed decision making is the best way to make important decisions.