Construction
insurance that doesn't quit
Find coverage built to withstand your toughest risks.
What insurance do
Construction
businesses need?
We handle the details so you don't have to. Straightforward policies, honest answers, and support when it matters.
Workers’ compensation
Workers’ compensation protects employees from work-related injuries, including slips, falls, lacerations and muscle strains. Policies cover all reasonable and necessary medical treatment as well as lost wages.
Business owner’s policy
A business owner’s policy, or BOP, bundles property, liability and business interruption coverage into a single policy, protecting against equipment damage, customer lawsuits, lost business income due to a covered event like a fire and more.
General liability insurance
General liability insurance covers damage and injuries a business or its contractors might cause to a third party — from a slip and fall in a store to a rock kicked up by a lawnmower that breaks a window, and everything in between.
*Coverage needs vary by business — this reflects commonly needed lines, not a complete list of every policy your business may require.
How much does insurance cost for
Construction
businesses?
The cost of
Construction
business insurance depends on several factors related to your business's risk, including your specific trade, payroll, project types and chosen coverage limits. At EverPeak, we offer competitive rates starting at $18 per month.
Why choose EverPeak for workers’ compensation coverage?
FAQs
Many general contractors, property owners or permitting offices require proof of insurance — often a certificate of insurance — before work begins. Confirm with the requesting party what's required for your specific job.
A Business Owner's Policy (BOP) can help cover tools and equipment lost to theft or damage, depending on your policy's terms and limits.
In many cases, yes — general contractors often require subcontractors to carry their own coverage before starting work. Requirements vary by project and state, so confirm with your contractor and an agent.
Whether you need coverage for contractors depends entirely on your state’s specific regulatory definitions and formal worker classification tests. Since misclassification regulations are highly complex and can lead to severe audits or stop-work orders, it’s vital to ensure your entire labor force is properly verified and protected based on the actual day-to-day work they do.
Learn more: Do independent contractors need workers’ compensation?
Ready for insurance that works as hard as your business?
We’ll help you secure the coverage you need.