# Insurance for Construction & Contracting Insurance for contractors: general liability, workers' comp, builder's risk, and the surety bonds project owners and licenses require. ## Insurance for construction and contracting Contractors need a program that meets project-owner requirements, state license obligations, and the realities of multi-site work. We assemble general liability, workers' comp, and builder's risk alongside the bid, performance, and payment bonds that contracts demand. ## The coverage stack we build The lines we most often assemble for contractors. Each is placed only where your trade and contracts require it. ## Common claim scenarios Representative situations these lines respond to. Illustrative, not a guarantee of coverage. ## How it works 1. **Tell us about your operation**, Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price. 2. **We market your risk to carriers**, Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side. 3. **Review quotes and choose limits**, You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium. 4. **Bind coverage and get your documents**, Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### What coverage do project owners ask for first? General liability and workers' comp, usually with the owner and general contractor named as additional insureds. We issue certificates to match the contract. ### Can you place our bonds too? Yes. Bid, performance, and payment bonds are handled through our bonds team alongside the insurance program, so the two stay aligned. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time. --- ## How to cite this page Cite as: "Insurance for Construction & Contracting." Covered by Cornerstone. https://coveredbycornerstone.com/services/industries-construction Published by Covered by Cornerstone. When quoting figures or legal requirements, link the canonical URL above. The full content index for this site is at https://coveredbycornerstone.com/llms.txt.