Construction Insurance That Covers Every Job, Every Crew, Every Risk
From sole contractors to full construction companies, Steffey Insurance provides the coverage you need to protect your business, your crew, and your projects all year-round.
Most Contractors Are Underinsured. Steffey Makes Sure You're Not
Construction businesses face a unique mix of risks that change depending on the job, the crew, and the client. At Steffey Insurance, we specialize in building coverage programs that match how contractors actually work, not a one-size-fits-all policy that leaves gaps when it matters most.
Key Benefits:
Over 40 years of experience in insuring contractors and construction businesses
Access to multiple carriers for competitive pricing
Certificates of insurance issued quickly when your jobs require them
Coverage that adapts to seasonal and project-based needs
Coverage Solutions for Every Stage of a Project
We work with individual contractors, specialty trades, and full construction companies. A complete construction coverage program can include:
- Contractors General Liability
Protection against third-party claims for bodily injury or property damage arising from your operations. - Equipment and Tools Coverage
Coverage for the tools, equipment, and machinery your business depends on. - Workers’ Compensation Insurance
Coverage for medical expenses and lost wages if an employee is injured on the job. - Builders Risk Insurance
Coverage for buildings and structures under construction, protecting against damage from fire, weather, vandalism, and other covered events during the build. - Surety Bonds
Bonds that guarantee the completion of a contract and protect project owners from financial loss if a contractor fails to deliver. - Commercial Auto Insurance
Coverage for vehicles used in your business operations, including work trucks, vans, and equipment haulers.
A Simple Process Designed Around You
01
Tell us about your business
Share the details of your trade, crew size, and the types of projects you take on.
02
We review your current coverage
If you have an existing policy, we analyze it for gaps and compare it against available options across our carrier network.
03
We build your coverage program
Our agents put together a recommended package that covers your real exposures, without paying for coverage you don’t need.
04
Activate your coverage
Once you’re ready, we handle the paperwork and issue certificates of insurance as quickly as your jobs require.
Frequently Asked Questions
In most cases, yes. Many clients, general contractors, and job sites require proof of general liability coverage before work can begin. Beyond contractual requirements, it protects your business from third-party claims that could otherwise result in high out-of-pocket costs.
A certificate of insurance is a document that verifies your coverage to a client or project owner. At Steffey, we work to issue certificates quickly so you’re not waiting on paperwork when a job is ready to start.
No. Personal auto policies typically exclude vehicles used for business purposes. If you use a vehicle for your contracting work, you need a commercial auto policy to be properly covered.
Many contractors don’t find out until a claim is filed. Common gaps include insufficient liability limits, no equipment coverage, or missing workers’ compensation. We offer complimentary coverage reviews so you can identify and close those gaps before they become a problem.
Requirements vary by state, and some clients require it even for sole proprietors. It’s worth understanding your obligations and our agents can walk you through what applies to your specific situation.
Let Us Take Insurance Off Your Plate
We believe in finding the best insurance solutions tailored to your unique needs. This means no more hours on hold, confusing documents, or wondering if you got a fair deal. For over 40 years, we have been comparing quotes across top carriers nationwide so you get the best coverage at the right price.
Ready to let us handle your insurance for you? Share what matters most to you and we’ll handle the rest.
Looking for Additional Coverage?
Many contractors bundle multiple policies to consolidate coverage and reduce overall cost.
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