Midsize to Large Contractors

The Hartford understands your business. We offer coverages and risk management services designed specifically for construction companies. We also offer expertise in underwriting, loss control and claims. Our dedicated team bring in-depth knowledge of the construction industry and the challenges you face to every interaction you have with The Hartford.

Target Contractors

Our market includes midsize and large construction firms with an annual payroll of $1 million or more, including:

• Prime subcontractors specializing in trades ranging from communication and equipment installation to electrical work, masonry, plumbing and interior carpentry.
• Midsize general contractors as well as highway and heavy trade contractors in concrete construction, pipeline installation, utility construction and repair, iron or steel erection, and more.  

• Smaller trade contractors. Please visit our Small Specialty Trade page to learn more.
• Higher hazard construction businesses that require specialized underwriting, loss control and claim services. Learn more about our specialty programs.

Coverage Designed for Construction

Having the right insurance to protect your company’s assets and meet your clients’ requirements is critical to managing risk. Our underwriting specialists will work with your insurance agent or broker to customize a coverage plan to meet your construction business’s needs.

A Range of Rating Plan Options

The Hartford’s offers a portfolio of rating plans to help you to help manage your total cost of risk.  You can fully transfer your insurable risks with guaranteed cost coverage. Or, you can choose a loss sensitive rating plan in which you retain a pre-determined portion of your losses through a large deductible, a retrospectively rated program or a self-insured retention program.

Ground-Breaking Services

Here’s a sampling of the services you’ll receive when you purchase insurance for your construction company from The Hartford.

• Loss control specialists provide services to help you run a safer business and ultimately improve your bottom line. From on-site consulting and safety/health training to pre-construction surveys and a full-service industrial hygiene lab, we have the services to help your business better control losses and the costs associated with them.
• Our specialized claims teams 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, and cost management tools, our claim professionals can drive positive business, medical and litigation outcomes.
• Our Risk Management Solutions Team provides designated contacts who 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.