Ohler Insurance Services
general contractor insurance
General contractors are the linchpin of the job site, coordinating complex projects while managing a network of subcontractors. As the primary point of contact for owners, your risk profile is as multidimensional as the structures you build.
Your coverage needs shift with every project. We analyze whether you are self-performing the bulk of your labor or managing expert subcontractors to ensure your policy protects your specific operational reality.
coverage considerations for general contractors
General Liability
Comprehensive protection for project-wide operations, covering property damage and bodily injury claims.
Workers' Compensation
Critical coverage for your employees on job sites, assisting with medical costs and lost wages after accidents.
Commercial Auto
Insurance for your fleet of trucks and work vehicles while traveling between job sites and hauling materials.
Tools & Equipment
Inland marine coverage for shared gear, specialized tools, and heavy equipment regardless of location.
Surety Bonds
Financial guarantees often required by project owners or municipalities to ensure contractual obligations are met.
Commercial Property
Protection for your physical business assets including offices, shops, storage yards, and inventory.