4 Surprising Things Covered in Your Construction Insurance

The construction business in America is booming. In this aggressive and demanding industry, proper liability insurance coverage is a must for all contractors. This is because without the right level of contractor’s insurance coverage, you run the risk of seeing your once prosperous business going under if you have to pay for legal fees and settlements out of pocket. A good construction liability insurance policy can help to protect against on the job injuries, accidents or property damage that may take place at the job site. Luckily, with a comprehensive construction insurance policy from Marine Agency Insurance, you can give yourself and your clients peace of mind in knowing that you are always prepared in case of a disaster on the job.

Who Needs Construction Insurance?

Whether you are a general contractor, contractor or a subcontractor, chances are that you are required to carry contractors insurance by law and by the various businesses that you work with. Common business types that need liability insurance protection include:

  • Construction
  • Landscaping
  • Painting
  • Plumbing
  • Carpenter
  • Electrician
  • Handyman
  • Cleaning
  • And more!

4 Surprising Things That Are Covered with a Comprehensive Construction Insurance Policy

construction insurance

Property Damage Claims

If you are working on a job and a third party alleges that you have caused damage to their property, your insurance policy should cover that! In the event that someone files a legal claim stating that you have caused damage to their property or that you are responsible for their inability to use their property, your business is protected. With general liability coverage, you don’t have to worry about paying out of pocket in the event that you are found responsible for damage to another party’s property.


Depending on the type of business you run, there is a good chance that the vehicles you use will be covered under your construction insurance policy. With a wide variety of vehicles needed to complete your various contracted jobs, it is important to invest in total insurance protection. Some of the vehicles that may be covered by your policy include:

  • Pickup Trucks
  • Dump Trucks
  • Tilt Trailers
  • Low-Boy Trailers
  • Tow Trucks
  • Gooseneck Trailers
  • And many more

Your Workers

Because you work in a high-risk field, the chances that your workers may become injured on the job is much greater than in other industries. Whether they are injured in a freak accident or they suffered a slip and fall on the job site, you and your workers can rely on your insurance coverage to help keep business running as usual. With the right policy, your workers may also be able to have their medical bills taken care of and receive a portion of their lost wages if they need to recover away from the job.


contractor insurance

To provide your clients with the best results possible, it’s important to invest in the highest quality tools available. But what happens when one of your tools is damaged, lost or stolen? With total insurance protection, the tools you use on the job are protected in the event of an accident or other issue. Whether you need to repair or replace your tools, you’ll never have to worry about paying for damages out of pocket.

Enjoy the Many Benefits of Affordable Construction Insurance

The benefits of investing in a great contractors insurance policy are seemingly endless. An affordable construction insurance policy should cover the following:

  • Personal and Business Property
  • Vehicles
  • Your Workers
  • Tools
  • And Much More!

Finding the right policy to protect your construction business doesn’t have to be a hassle. Visit Marine Agency Insurance online today and get a quote for a new construction insurance policy to better protect your assets and your clients.

Contact Us


    34 W Main Street #201
    Somerville NJ 08876

    Local: 973-763-4711

    Toll-Free: 84-INSURE-NJ (844-678-7365)

    Toll-Free: 800-35-MARINE (800-356-2746)

    Northern Delaware

    1218 Pulaski Hwy, Ste 490
    Bear DE 19701

    Local: 302-834-9641

    Toll-Free: 800-681-7261

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