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If you work in construction, you know every project has variables you can't control: on-site accidents, third-party damage, expensive equipment in constant use, and human error. In Washington, contractors must register with L&I and most clients require proof of $1M+ in General Liability before signing a contract.
What's Covered?
A clear breakdown of every protection layer included in your policy.
General Liability
Foundation coverage required by most general contractors and project owners. Pays for third-party bodily injury, property damage, and completed-operations claims.
Tools & Equipment (Inland Marine)
Covers tools and portable equipment wherever they go — at the shop, in transit, on the job site, or in your truck overnight. Standard property policies often exclude this.
Builders Risk (Course of Construction)
A specialized policy that covers a project under construction — including materials on-site, in transit, or in temporary storage.
Commercial Auto
Required if you use vehicles for business — transporting tools, hauling materials, or moving crews. Personal policies exclude commercial use.
Workers' Compensation
Mandatory in Washington for contractors with employees. Pays medical bills and lost wages for on-the-job injuries — and shields you from employee lawsuits.
What Many Contractors Underestimate
A Certificate of Insurance (COI) isn't just paperwork — it's often a contract requirement before you can step on site. Most clients require Additional Insured status and Waiver of Subrogation endorsements. Missing these can delay payment or terminate a contract entirely.
- Type of work (residential, commercial, industrial)
- Project size & dollar value
- Number of employees & subcontractors
- Tool & equipment values
- Additional Insured & Waiver requirements
Our Approach
We understand the construction industry. We evaluate your real risks, analyze your operation type, and design complete coverage.
Evaluate real risks
Analyze your operation
Design complete coverage
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.