Construction Insurance

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Specialized Insurance Solutions Made for the Construction Industry

Our flexible product offerings, deep industry experience and innovative technology are combined to deliver tailored solutions for businesses in the construction sector.
 
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Your Comprehensive Blueprint for Coverage

Whether a construction business is small, large or somewhere in-between, The Hartford has the right team to deliver an optimal experience. Our underwriting specialists design coverage to address distinct contractor challenges, while our claims and risk engineering specialists provide essential support for ongoing success.
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Who We Serve

From data centers to sports stadiums, our coverages help protect those who build the future, including:
 
  • Bridges
  • Commercial general contractors
  • Concrete
  • Electrical
  • HVAC
  • Iron or steel
  • Millwright
  • Utility

Trusted Coverage for Unique Risks

The Hartford offers both monoline policies and comprehensive multi-line solutions, crafting customized insurance programs tailored to the unique needs of the industry. Explore our full line of products or review the following offerings.

Key Coverages and Product Solutions

  • General Liability coverage helps protect a contractor’s premises, jobsites or operations. General Liability Choice® with our contractor’s broad form endorsement offers additional coverages, like limited professional liability and wrap-up coverage.
  • Commercial auto insurance helps cover companies and employees on the road while using company-owned, leased or rented vehicles for business.
  • Workers’ Compensation helps minimize workplace injury and illness, so employees can get back to work as quickly as medically appropriate.
  • Umbrella Insurance helps provide additional liability protection when a lawsuit or loss maxes out the underlying limits.
  • Contractors Pollution Liability (CPL)1 provides coverage for environmental damage, property damage and bodily injury from pollution conditions caused by a contractor’s operations at a third-party jobsite. Contractors Professional & Protective Indemnity (CPPI)1 offers comprehensive coverage options for contractors - helping to protect businesses from pollution, professional liability and design-related risks in one policy.
  • CCPI+ combines CPL and CPPI coverages to be purchased under one policy.
  • Excess Liability1 offers additional limits above professional and pollution policies, providing extra protection from large or unexpected losses.
  • Owner-Controlled Insurance Program (OCIP) or Contractor-Controlled Insurance Program (CCIP) delivers a single wrap-up policy for large construction projects, helping manage insurance costs and ensure consistent coverage for all enrolled contractors and subcontractors.
  • Owners and Contractors Protective Liability (OCP)2 provides liability coverage for project owners and contractors to protect them from jobsite operations and supervisory risks with a separate set of limits.
  • Railroad Protective Liability (RRP)2 provides coverage for bodily injury, property damage and railroad-owned property at or near jobsites.
  • OPPI+ helps protect project owners with excess professional liability coverage and defense for third-party claims arising from design or construction errors.
  • Property insurance helps protect physical assets in the event of a loss, including loss of business income, business interruption and extra expense coverage.
  • Contractor’s equipment helps cover tools and machinery in the event they are stolen from the jobsite, destroyed by fire or vandalized.
  • Builder’s risk helps protect buildings and structures under development, renovation or construction, as well as equipment used in projects.
  • Installation insurance is designed for property installed, fabricated or erected by a subcontractor.

For Small Construction Businesses

Smaller-scale contractors often have unique coverage and support needs, and we help them seamlessly transition as their businesses grow.
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Customer Stories

Hear real stories from customers about their experiences with our construction coverage.

Our Specialists Raise the Bar

The Hartford’s insurance team has decades of industry experience and a true understanding of the unique risks that construction companies and contractors face.
 
With every new project, we offer guidance and actionable insights for an ever-changing landscape.
 

Risk Engineering: Your Partner in Risk Mitigation

From digging trenches to erecting scaffolds, construction projects contain risk.
The Hartford’s risk engineering specialists provide construction-specific services to help businesses identify hazards, reduce exposures and build safer workplaces. Benefits include:

Plan Ahead for a Safer, Smarter Build

Pre-construction planning guidance

On-Site Insights To Reduce Risk

Jobsite surveys by experienced construction consultants

Extra Assistance

Loss analysis, training assistance, and supervisory leadership and safety management workshops

Resolving Claims, Protecting Projects

Claims in the construction industry can be complex and costly, requiring an experienced partner to manage every detail effectively. Learn More.
 
  • ClaimPlus Teams focus on serving large customers with tailored claims handling, consulting experienced adjusters for complex cases.
  • Latent Property Damage Group manages construction defect claims and contractual issues with legal support for strong defense.
  • Major Case Team handles severe injuries including brain, spinal and burn cases with highly skilled adjusters.
  • Rapid Response Model deploys special investigations professionals to accident scenes within hours to preserve evidence and ensure accurate results.
  • Track Risk. Explore Opportunities (TREO) is a risk management information system designed to simplify claims management and effectively lower loss costs.

Resources and Applications

 
Coverages and Products
 
Owners & Contracts & Railroad Protective Liability
 
Wrap-Ups
 
Professional / Pollution Liability*
 
 
* These coverages may be written on a surplus lines basis. Coverage(s) may not be available in all jurisdictions and may be available only through appropriately licensed surplus lines brokers. Placement and eligibility for surplus lines insurance coverage is subject to state regulation. Surplus lines insurance policies are generally not guaranteed by state guaranty funds.
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Insights to Help Navigate Construction Risks

 
 
1 Eligibility for surplus insurance coverage is subject to state regulation and requires the use of a licensed surplus lines broker. Surplus lines insurance policies are generally not protected by state guaranty funds. Policies should be examined carefully for suitability and to identify all exclusions, limitations, and other terms and conditions. Surplus lines coverage is underwritten by Pacific Ins. Co. Ltd (except in CT and HI) and Hartford Ins. Co. of Illinois in CT and HI.
 
2 Offered on a monoline basis.
 
3 The Hartford’s Risk Engineering Laboratory (ID 100124) has been accredited by the AIHA Laboratory Accreditation Programs (AIHA-LAP), LLC for Industrial Hygiene and Unique Scopes, as documented by the Scope of Accreditation Certificate and associated Scope.
General Product Description
This general product description is information only and designed for insurance producers. It is neither an offer to sell nor a solicitation to purchase any particular insurance product and may not be disseminated to the general public. This general product description outlines the coverage(s) that may be afforded under a policy from The Hartford. All policies should be examined carefully for suitability and to identify all exclusions, limitations and other terms and conditions. In the event of a conflict between any policy and this document, the terms and conditions of the policy shall control.
 
About Surplus Lines Coverage
The coverage(s) identified in this general product description may be written on a surplus lines basis. Eligibility for surplus lines insurance coverage is subject to state regulations and requires the use of a surplus lines broker. Surplus lines insurance policies are generally not protected by state guaranty funds. In connection with the insurance offered herein, the broker is responsible for any disclosure or stamping requirements associated with surplus lines policies, and compliance with any declination, due diligence, or record-keeping requirements for surplus lines policies, and collection and payment of the applicable surplus lines premium taxes and any other applicable surcharges owed on each policy and to make any related filings. Surplus lines coverage is underwritten by Navigators Specialty Insurance Company, Maxum Indemnity Company, Pacific Insurance Company Ltd. (except in CT and HI) and Hartford of Illinois Insurance Company in CT and HI.
 
About The Hartford Underwriting Companies
The coverage(s) identified in this general product description may be underwritten by one or more of the property and casualty insurance companies of The Hartford Insurance Group, Inc. In Texas, Arizona, New Hampshire and Washington, this insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois (CT and HI only), Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company (TX only), Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company (except in CT and HI), Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. In California, this insurance may be underwritten by one or more non-admitted insurance companies (not licensed in CA) and its property and casualty insurance company affiliates. In California, this insurance may be underwritten by one or more non-admitted insurance companies (not licensed in CA) and its property and casualty insurance company affiliates.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including the underwriting company Hartford Fire insurance Company, under the brand name, The Hartford,® and is headquartered in Hartford, CT. For additional details, please read The Hartford’s legal notice at https://www.thehartford.com.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.