Construction

Who We Serve

The Hartford is a premier provider of property casualty products and risk management services for midsize and large construction contractors.
 
Put our broad appetite and customized solutions to work for your construction clients, along with our:
 
  • Dedicated underwriters who work exclusively on construction business
  • Broad understanding of coverage, individual state regulations and rulings, and challenges facing contractors today
For construction accounts with less than $1.25 million in annual payroll, contact your Small Commercial sales representative from The Hartford.
 
Our Appetite
Target:
  • Concrete
  • Electrical
  • HVAC
  • Sheet Metal
  • Masonry
  • Interior carpentry
  • Cable
  • Grading of land
  • Excavation
  • Bridges
  • Iron or steel
  • Millwright
  • Street and road
  • Utility
     
Non-Target:
  • Carpet
  • Fencing
  • Furniture and fixtures
  • Painting
  • Plumbing
     
Do Not Write:
  • Construction equipment rental
  • Restoration/waterproofing
  • Framing
  • Roofing
  • Redi-mix
  • Window installation
  • Remediation
  • Wrecking and demolition
*The minimum premiums are for all primary casualty business. This does not include monopolistic states (ND, OH, WA, WY) where the minimum premiums are lower.
  • Quality subcontract with good risk transfer provisions
  • More than 5 years in business
  • Written safety plan
  • > $1.25 million payroll

Customized Insurance Solutions

Our underwriting specialists will work with you to customize a program to meet the individual needs of your midsize and large construction clients.
Our Solutions
  • Commercial auto liability
  • General liability with our contractor’s broad form endorsement
  • Workers’ compensation (selected risks only)
  • Contractors Pollution Liability (CPL)
  • Contractors Professional and Protective Indemnity (CPPI)
  • Contractors Professional and Protective Indemnity Plus (CPPI+) combines Pollution (CPL) and Professional (CPPI)
  • Owner’s & contractor’s protective liability
  • Railroad protective liability
  • Commercial auto liability
  • Contract surety bonds
  • General liability with our contractor’s broad form endorsement
  • Inland marine including builder’s risk, contractors’ equipment  and installation
  • Owner’s & contractor’s protective liability
  • Property
  • Railroad protective liability
  • Umbrella liability
  • Workers’ compensation
  • Contractors Pollution Liability (CPL)
  • Contractors Professional and Protective Indemnity (CPPI)
  • Contractors Professional and Protective Indemnity Plus (CPPI+) combines Pollution (CPL) and Professional (CPPI)
Our contractor’s general liability coverage automatically provides:
 
Additional Insured Coverage
  • On-going operations, completed-operations, premises owned by or rented to you (primary and non-contributory, includes waiver of subrogation)
Limited Wrap-Up Coverage
  • Includes completed-operations coverage when wrap-up program expires
  • Covers contractors that are additional insureds under the wrap-up program
Per Project and Per Location General Aggregate
 
Contractual Liability Coverage
  • Expanded for personal and advertising injury, work within 50 feet of railroad, and work for municipality
We offer wrap-up solutions for owner-controlled and contractor-controlled construction projects, including:
  • New, expansion or renovation projects and maintenance work projects with $200 million or more in projected costs $40 million or more in payroll
  • Public-Private Partnership (P3s)
  • Single or multiple projects, sites, years or states
  • Excess wrap-up limits on follow form basis, for single site CCIPS
 
Find contact information for your wrap-up underwriter, risk engineer or program manager.

Why Choose The Hartford

  • Single point of contact with Practice Leaders and Underwriters 100% dedicated to construction business
  • Designated specialists handle construction defect and serious bodily injury claims to achieve favorable outcomes
  • Wide variety of risk engineering services, including OSHA 10 and 30 training, workshops, portfolio of best practices and more
  • The Hartford's Risk Engineering Laboratory (ID 100124) is 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.
     

Contact Us Today

For more information or to submit an account, please contact your Construction Group underwriter. You may also email questions to us at construction.group@thehartford.com.
 
*The minimum premiums are for all primary casualty business. This does not include monopolistic states (ND, OH, WA, WY) where the minimum premiums are lower.
 
We are not a residential market for operations in AZ, CA, CO, FL, NV, SC or WA.