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Construction Wrap-Up Insurance

The Solutions You Need to Wrap
Up Your Construction Projects

As the owner of or general contractor for a large construction project, you need control over your job site and your insurance program.

You want to spend your valuable time and resources delivering quality construction, staying on schedule and budget, and keeping employees safe on the job site – not worrying about your coverage or ensuring that your subcontractors have the proper level of insurance protection.

For more than 40 years, The Hartford has offered construction wrap-up insurance solutions, a cost-effective means to get all the coverage and service your project needs. Coverage extends to all enrolled contractors at the construction site, and may apply to a single project or a rolling series of projects.
Whatever your coverage needs, you’ll receive an unprecedented level of support from The Hartford’s dedicated team that includes an underwriting account executive, a policy service manager, a loss control account coordinator and a claim service consultant for your project. 

Wrap-Up Projects

The Hartford writes a broad range of private and public projects across the U.S., from manufacturing facilities and hospitals to professional sports stadiums and transportation hubs. Projects may be owner controlled insurance programs (OCIP) or contractor controlled insurance programs (CCIP), and may cover single or multiple projects, sites, years or states (excluding New York exposures).

Coverage Tailored to Your Project’s Needs

The Hartford’s construction wrap-up insurance solutions typically include workers’ compensation and general liability. They may also include additional lines such as commercial auto liability or railroad protective liability. 
Core Coverages Specialized Products

A Range of Rating Plan Options

Our portfolio includes a variety of large deductible and retrospectively rated plans, and self-insured retention plans giving you the option to choose the one that best meets your needs. Some coverages such as Umbrella are available on a guaranteed cost basis.

Ground-Breaking Services

You can expect customized service from The Hartford, with a central point of contact assigned to support your wrap-up project in each of these areas:
  • Loss control. An account coordinator and local specialists are dedicated to your project. They’ll help you ensure you have the safety, health and management training your project needs. They’ll also help you take advantage of services that can help you control losses and the costs associated with them such as our full-service accredited industrial hygiene lab, toolkit talks, vendor discounts, and more.
  • Service. A wrap-up service team will manage all the insurance aspects of your project, including service plans, policy administration, payroll monitoring, annual audit reconciliation and more.
  • Claims. A designated claim service consultant will serve as your primary contact for all claim service issues. They work with specialized claim teams who know how to navigate the risks posed by construction claims, whether for construction defect, bodily injury liability, or workers’ compensation. Aided by networks of experienced attorneys and medical providers, internal consultants, cost management tools, and fraud investigators, our claim professionals can drive positive business, medical, and litigation outcomes.
  • In addition, our Risk Management Solutions Team provides designated contacts that coordinate claim and loss control services for large construction accounts. @venture®, our risk management information system, provides easy, timely access to claim data and reporting functionality that can help manage risk and control loss costs.

All coverages and services may not be available for all businesses or in all states. For details on what coverages and services are available to you, contact your agent at The Hartford today.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company or life and accident insurance company subsidiaries of The Hartford Financial Services Group, Inc.

Top Reasons

Top reasons why contractors choose The Hartford.

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Loss Control Services

Loss Control Services
Our Loss Control team is committed to helping you prevent and control loss exposure.

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Contract Surety Bonds

The Hartford offers bid, payment and performance bonds specifically for construction contractors of all sizes.

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Specialty Programs

We also offer customized solutions for higher hazard businesses that require specialized underwriting, loss control and claims.

Learn more about our specialty programs