Protect Your Business with Construction Insurance Solutions

Running a construction business is already challenging—why add unnecessary financial risks to the mix? From managing your team to meeting tight deadlines, you need insurance that’s as tough and reliable as your work.

At Hilb Group, we specialize in construction risk management and construction coverage that’s tailored to your business, no matter your construction industry niche—be it concrete, electrical, HVAC, iron and steel, utility, or general contracting.

Why Do You Need Construction Liability Insurance?

Accidents happen, and when they do, the costs can be catastrophic for your business. Construction liability insurance is crucial as it covers damages, injuries, and mistakes that arise at job sites. Whether it’s damaged equipment, an injured employee, or a delay caused by unforeseen events, the right insurance is your safety net. And with clients requiring coverage before the job starts, there’s no room for error.

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Why Choose Hilb Group?

We have the pulse of the construction insurance market and when the marketplace changes, we pass that knowledge on to you. We handle the complexities—you enjoy peace of mind.

Here’s how we’re different (and better):

100-Years Proven Industry Expertise

We’ve been shaping the construction industry for over a century.

Local Insights, National Strength

We combine personalized service with national-level resources.

Focus on Profitability

We control costs and improve safety, helping you keep more money in your pocket.

Beyond Generic “Cookie-cutter” Insurance Policies

We conduct a comprehensive review of your coverage and loss history to tailor your coverage and risk management plan to your projects, work style, and business goals.

Seasoned Negotiation

We push for better pricing and coverage that works as hard as you do.

Contract Assistance

On an ongoing basis, we review indemnification specs on bids and advise on contract language.

Claims Management

With us you have a dedicated in-house team to ensure faster resolutions.

Year-Round Safety Support

Controlling claims is just half the battle in keeping your costs at bay. We also offer a series of safety services, including safety training, OSHA certifications, and site inspections to prevent future claims.

Coverage Highlights

Commercial Insurance

Construction Bonds – Win new contracts and protect your business with a variety of bonds, including Surety, Fidelity and Miscellaneous bonds. Let us help you maximize your bonding while helping you save on taxes. Buy your construction bonds online.
General Liability – For construction accidents and third-party claims. General Liability insurance covers bodily injury, property damage, and legal fees resulting from accidents on your construction site or involving your business operations. It helps protect general contractors from financial losses associated with these risks.
Workers’ Compensation – Protect your team on-site. Provides medical benefits and wage replacement for employees who are injured or become ill while on the job.
Builder’s Risk – Secure your projects and materials against delays. Covers damages to buildings under construction and protects against events like fire, theft, or natural disasters.
Contractor’s Tools & Equipment – Keep your gear protected. Ensures that your tools, machinery, and other equipment are covered against theft, loss, or damage, even when they’re at a job site.
Contractors’ Pollution Liability – Protect your business from environmental risks, including accidental spills or contamination, ensuring coverage for cleanup and legal expenses.
Cyber Liability – Protect your data and operations from online threats. Covers expenses related to data breaches, cyberattacks, and protecting sensitive client or business information.
Commercial Auto – Cover your business vehicles for exposures, including accident liability, damage to vehicles, and injury caused while driving for work.

Property – Protect your business premises, equipment, and physical assets from risks such as fire, theft, vandalism, and natural disasters.
Professional Liability – Ensure you have coverage for alleged work oversights that cause a client a financial loss. Also known as errors and omissions (E&O) insurance, this policy covers claims of negligence, mistakes, or failure to deliver professional services as promised.
Management Liability – Protect your business leaders and executives against claims of wrongful acts, such as employment practices liability, mismanagement, or fiduciary breaches.
Installation – Safeguard materials and equipment while they are being installed at a job site, covering risks like damage or theft during the installation process.
Owner Controlled Insurance Programs (OCIP) – A centralized insurance policy purchased by the project owner to cover all contractors and subcontractors involved in a specific construction project.
Contractor Controlled Insurance Programs (CCIP) – A similar centralized insurance policy, but purchased and controlled by the contractor to insure all parties involved in the project.
Umbrella Liability – Secure additional liability coverage that goes beyond the limits of your other insurance policies, offering an extra layer of protection for significant claims or lawsuits.

Employee Benefits Solutions

The key to growing your business lies in prioritizing your employees. Engaged, satisfied employees deliver exceptional client experiences, opening doors to new opportunities and enhancing your reputation—a win-win for all. At Hilb Group, we assess your current employee benefits and identify ways to enhance or expand them, providing resources that empower your team to thrive both personally and professionally.

Highlights of Our Services

Benefits Plan Design and Consulting
Benefits Communication
Benefits Administration (HRIS Solutions)
Benefits Compliance
Population Health and Wellness
Pharmacy Benefits Manager Contract Review
COBRA Administration

Eligibility Administration
Group Disability
Group Long-Term Care
Group Life
Group Benefit Captive
Level-Funded Health Plan
Self-Insured Health Plan
Medicare

HR Consulting

From employee handbooks to recruiting for key roles to staying updated on compliance requirements, human resources can be time-consuming and complex — but it doesn’t have to be. Our HR Consulting can help. Big needs, small projects, and everything in between — with our HR Consulting Practice, you have direct access to HR consultants without adding to payroll.

Additional Protection Solutions

Construction Loss Control and Safety to Prevent Claims

Why does safety matter? In construction, the safest businesses are often the most successful. They secure more projects, attract top talent, lower operational costs, and achieve faster growth. If you’re not there yet, we’re here to help.

Our risk engineering specialists deliver tailored, construction-focused specialized solutions designed to minimize losses and enhance safety. With a deep understanding of the unique challenges within the construction industry, we provide practical, effective solutions to mitigate risks and prevent hazards.

Hilb Group’s dedicated in-house safety team acts as an extension of your own, offering expertise and additional capacity. As your trusted third-party safety consultants, we bring hands-on support straight to your job sites. From conducting inspections and identifying potential hazards to training workers on injury prevention, we’re committed to making your work environment safer.

Whether it’s OSHA-30 compliance, fall protection, fleet safety, ladder safety, or working at heights, our experts provide comprehensive guidance, training, and investigation services. Let us help you build a safer, more profitable future.

Our Loss Control services include:

Safety program analysis
Risk control service plan
Identify client training needs:
- Participate and advise on client safety committee
- Year-end OSHA 300 log audit
Client portal with access to vast industry resources
Annual safety committee certification
Loss control services
Accident/incident investigation assistance

Construction Insurance Claims Management

Unlike most brokers who rely solely on insurance carriers to handle and resolve claims, Hilb Group takes a proactive, hands-on approach. Each client is assigned an in-house claims professional dedicated to their company. Our team works closely with adjusters, maintaining constant communication to ensure claims progress smoothly toward resolution.

We treat every insurance claim—regardless of type—with the same high level of attention, transparency, and advocacy. Regular updates are provided to track progress, and reserve activity is carefully monitored. By fostering open dialogue with our insurance carrier partners, we ensure claims are managed efficiently and effectively.

In cases involving litigation, we go a step further by equipping clients with a clear understanding of all legal implications, empowering them to make informed decisions with confidence.

Our Claims Management services include:

Dedicated claims team for each client
Establish claims handling instructions
Create claims reporting flow chart
Ordering loss runs
Monthly claims update report/quarterly loss summaries
Annual claim review prior to unit stat report being sent to bureau to ensure accuracy
Best in class claim reporting and follow up process

Construction Captives

Take control of your insurance – As your construction business grows, your insurance program should evolve with it. If you have a strong safety culture and a solid loss history, it might be time to consider an alternative to traditional insurance. Enter the world of Captive insurance.

So, what is Captive insurance? It’s an innovative risk management strategy where you take ownership of the insurance company and share in the underwriting profits. There are various types of captives, including single-cell and group captives, each offering unique benefits.

Hilb Group can guide you through the options, providing a comprehensive analysis to determine if Captive insurance is the right fit for your business. Let us help you explore this forward-thinking approach today.

Advantages of Captive insurance:

Broader coverage
Tax benefits
Increased control
Insulate from adverse market conditions
Improved cash flow through:
- Custom tailored coverages
- More control over claims handling and reporting
- Stabilized budgets
Incentive to control losses
Direct access to wholesale reinsurance markets

Real Stories from Real Clients

“The Hilb construction insurance team is truly one of our most valued partner, transforming our insurance program from a headache into a tool that gives us a competitive advantage.”

Dale Lintner Jr. CFO, Dale Construction/Dale Corporation

“Hilb Group brings us new ideas. They are very reliable, responsive and ethically responsible. They do an excellent job.”

Gavin Grimes Vice President, Main Line Commercial Pools

“We’ve been able to lower our costs and reduce our claims, which all increases our profit. That’s huge. Hilb Group hits the ‘easy’ button.”

Jeb D. Sprecher Vice President, Diplomat Demolition

Don’t Wait Until It’s Too Late

Every day without proper coverage increases your risk. By partnering with Hilb Group, you’re not just insuring your business—you’re building a safety-first legacy that promotes growth.

Unlock insurance solutions built as meticulously as the skyscrapers you create. Get the right construction business insurance today to protect your company, your team, and your bottom line.

Frequently Asked Questions

What is Construction Insurance?

Construction insurance safeguards business owners against financial losses caused by lawsuits or unforeseen events. Key policies include General Liability, Commercial Property, Inland Marine, and Workers’ Compensation insurance. These coverages protect against third-party property damage, bodily injuries, business assets, and mobile equipment or tools. For construction businesses, having the right insurance is crucial to managing risks and preventing significant financial setbacks.

Construction Insurance vs. Surety Bond: What’s the Difference?

Construction insurance and Surety bonds are essential for protecting construction businesses, though they serve distinct purposes.

Surety bonds guarantee that contractors will adhere to regulations and complete projects as agreed, offering clients reassurance and building trust. On the other hand, the variety types of construction policies provide coverage against lawsuits and unforeseen incidents, safeguarding the business itself.

When customers hire a construction company, they put their trust in its ability to deliver. A Surety bond reinforces that trust, offering peace of mind and confidence in the contractor’s commitment.