Contractors, Trades & Government Contracting (GovCon)

Building a successful business in commercial construction and federal contracting requires more than just skilled labor; it requires a rock-solid foundation of risk management. Whether you are breaking ground on a custom home, managing complex mechanical installations, or bidding on Department of Defense (DoD) contracts, your operations face unique liabilities and strict compliance frameworks every day.

Core Coverage Considerations

While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.

Commercial General Liability

High-limit protection against third-party bodily injury, property damage, and completed operations claims, customized for master service agreements.

Builder’s Risk & Course of Construction

All-risk property coverage protecting structures, scaffolding, and materials during the building phase.

Workers’ Compensation & Defense Base Act (DBA)

Mandatory coverage for domestic employee injuries, plus specialized DBA and FVWC programs for overseas government contractors.

Commercial Auto & Heavy Fleet

Liability and physical damage protection for your work trucks, transit fleets, and specialized transport vehicles.

Inland Marine & Equipment Floaters

Physical damage protection for your high-value tools, excavators, and diagnostic equipment, whether in the shop or on the job site.

Surety & Performance Bonds

Unrestricted multi-state capacity to secure Bid Bonds, Performance Bonds, and Payment Bonds to ensure strict compliance with municipal and federal procurement standards.

Government Contract Compliance

Specialized support for businesses adhering to Federal Acquisition Regulations (FAR), including mandated liability limits and strict CMMC compliance.

Professional Liability & E&O

Protection against financial losses, design disputes, or professional negligence arising from your design-build or consulting services.

Cyber & Privacy Liability

Critical protection against ransomware, data breaches, and fulfilling strict federal cybersecurity mandates (CMMC/NIST).

High-Limit Excess Umbrella

The multi-million-dollar liability limits required to meet strict commercial lease, DOT regulations, and enterprise client contract requirements.

Portfolios We Protect

General Construction & Custom Builders Specialized coverage for firms handling complex multi-phase construction and residential developments. Specialty Trades & MEP Contractors Tailored risk architecture for mechanical, electrical, plumbing (MEP), HVAC, and interior finish contractors. We structure rigorous completed operations defense, comprehensive installation floaters, and specialized professional liability to protect your balance sheet from the shop to the final inspection. Tree Care & Arboriculture High-hazard risk management for bucket truck operations, crane-assisted removals, stump grinding, and utility line clearance. Demolition & Abatement Services High-hazard risk management for complex deconstruction projects, including specialized asbestos and environmental abatement protocols. Roofing & Exterior Services Tailored protection for custom roofing, siding, and exterior envelope specialists. Landscaping & Grounds Maintenance Tailored risk architecture for commercial landscaping, groundskeeping, irrigation, and snow removal operations. We structure comprehensive general liability, high-value equipment floaters, and specialized seasonal liability protection to defend your balance sheet year-round. Janitorial & Property Maintenance Tailored risk architecture for commercial cleaning services, comprehensive facility maintenance, and custodial contractors. We structure rigorous general liability, specialized lost key coverage, and high-frequency workers’ compensation programs to protect your crews and satisfy strict commercial lease and federal contract requirements. Government & Defense Contractors (GovCon) Comprehensive risk management for federal primes and sub-contractors handling multi-state DoD contracts, secure facility installations, and overseas deployments requiring strict DBA and CMMC compliance. Heavy Civil & Highway Infrastructure Tailored risk architecture for site preparation, excavation, utility installation, and municipal DOT highway contractors. We structure heavy fleet commercial auto, high-capacity umbrella limits, and complex surety bonding to secure your bids and defend your balance sheet.

Ready to Protect Your Crew & Contracts?

From the job site to the shop, let’s build a program that secures your bids and covers your crew, tools, and liability. Connect with our team for a full risk review.

Request a Contractor Quote Speak with a Risk Advisor