Construction Insurance for Contractors & Construction Businesses

Construction businesses face a range of exposures across jobsites, projects, workers, vehicles and equipment. ISOM helps general contractors, subcontractors, trade contractors and construction companies evaluate insurance solutions suited to their operations and contracts — across New York, New Jersey, Pennsylvania, Indiana, Connecticut and Delaware.

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Contractor Types ISOM Works With

General Contractors

Construction general liability, workers’ compensation and umbrella coverage for GCs managing projects, subcontractors and jobsite operations.

Subcontractors

Coverage for trade subcontractors working under GC agreements — GL, workers’ compensation, additional insured endorsements and certificates.

Roofing Contractors

Insurance for roofing operations, including general liability and workers’ compensation for crews working at elevation on residential and commercial structures.

Concrete & Masonry

General liability and workers’ compensation for concrete, masonry and structural work on commercial, residential and mixed-use construction projects.

Excavation Contractors

Coverage for excavation, grading and earthwork operations, including liability for underground utility exposures and jobsite hazards.

HVAC Contractors

Insurance for heating, ventilation and air conditioning contractors, covering installation, service and maintenance operations on commercial and residential projects.

Electrical Contractors

GL and workers’ compensation for electrical contractors performing installation, service and maintenance work across commercial and residential projects.

Plumbing Contractors

Coverage for plumbing contractors, including general liability for property damage exposures and workers’ compensation for field crews.

Construction Managers

Insurance for construction management firms overseeing projects, subcontractors and jobsite operations, including professional liability where applicable.

Property Developers

Insurance solutions for developers managing construction projects, including builder’s risk, general liability and owner-controlled coverage considerations.

Why Construction Businesses Work With ISOM

Construction-Focused Coverage Review

Before quoting, we review your existing policy — limits, class codes, exclusions and endorsement schedule — and tell you where the gaps are relative to your contracts and operations.

Access to Admitted and E&S Markets

Some construction operations — scaffold, roofing, demolition, facade — place in excess and surplus markets rather than admitted carriers. We work with both.

Same-Day Certificate Issuance

Once coverage is bound, certificates of insurance issue the same day, written to the exact additional insured language, limits and endorsements your contract requires.

Subcontractor Compliance Support

We help general contractors structure subcontractor insurance requirements and verify that current COIs meet the coverage and endorsement standards their contracts impose.

Insurance Built Around Construction Risks

Construction businesses face exposures that differ significantly from other commercial operations. Jobsite injuries, third-party property damage, vehicles carrying crews and materials, equipment on and off site, projects under construction, and subcontractor operations each represent a distinct exposure area. Insurance requirements set by project owners, general contractors and licensing boards add another layer. ISOM helps construction businesses evaluate coverage across all of these areas.

  • General Liability for Contractors
  • Workers’ Compensation Coverage
  • Commercial Auto Insurance
  • Builder’s Risk Insurance
  • Umbrella & Excess Liability

Meeting Construction Contract Insurance Requirements

New York

Construction insurance in New York involves additional considerations including New York Labor Law exposures, statutory benefit requirements and contractual risk transfer. ISOM serves contractors and construction businesses across the state.

New Jersey

ISOM helps New Jersey contractors evaluate general liability, workers’ compensation and commercial auto coverage, along with contractor registration and licensing requirements.

Connecticut

Construction businesses operating in Connecticut can work with ISOM to evaluate coverage requirements for contractor registration, workers’ compensation and general liability.

Pennsylvania

ISOM supports contractors and construction companies operating in Pennsylvania with general liability, workers’ compensation, commercial auto and project-specific coverage needs.

Indiana & Delaware

ISOM is licensed to help construction businesses in Indiana and Delaware evaluate insurance solutions for their operations, contracts and coverage requirements.

Construction Risks Don’t Stop at the Jobsite.

Let ISOM Review Your Coverage Program.

From general liability and workers’ compensation to builder’s risk and surety bonds, ISOM helps construction businesses evaluate coverage across their full range of operations and contracts.

  • General Liability for Contractors
  • Workers’ Compensation Coverage
  • Builder’s Risk & Project Insurance
  • Surety Bonds & Commercial Auto