Contractor Liability, Equipment Insurance and Builder’s Risk Insurance

Memphis and the surrounding area are growing, and general contractors and builders are leading the construction efforts to support that growth. Being in the construction industry comes with significant risk, so you need the right combination of reliable, affordable plans to include contractor liability insurance, contractor equipment insurance, and builder’s risk insurance.

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Insurance for General Contractors and Builders

Smith-Berclair Insurance helps contractors and builders find broad insurance plans specifically developed to protect their business, their staff, and their valuable equipment. Our affordable, reliable construction insurance plans include:

• Contractor liability insurance. General liability insurance for contractors protects against injuries and property damage and covers legal costs which may arise if the contractor is found legally liable for a covered cause of loss.
• Contractors equipment insurance. This insurance protects against any damage or loss to the contractors' equipment and tools, which may be a result of fire, flood, vandalism, or theft. Contractors' equipment insurance can help to provide coverage where general commercial property insurance or commercial auto insurance may not apply.
• Builder’s risk insurance. Also known as construction insurance, this coverage protects builders and their buildings from a variety of risks related to the project. If your building site experiences a fire, vandalism, or theft of building materials not yet installed, you and your construction business need to be protected from property loss and related expenses. It is imperative to have a builder’s risk insurance plan to protect the builder during the construction process.

Insurance plans for your construction business

Contractors’ insurance plans can vary widely in price and coverage. At Smith-Berclair, we work with you to understand your specific needs, including the risk and value of your specific projects and buildings, the value of your equipment, whether you lease or own equipment, the size of projects you undertake, and more.

Once we understand your specific needs as a general or independent contractor, we will shop for insurance plans which meet those needs and your budget. We represent leading brands in construction insurance.  As independent agents, we can shop around to find a competitive insurance plan for your construction business.

We understand the business of general contractors and builders’ risk, and we’ll work with you to protect you and your business.

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