Contractors Insurance


Between allegations of construction defect or major property damage to a building, and accidents on job sites, contractors carry a high level of risk. Stepping onto a job site puts you, your construction company and your employees at risk with potential losses in the millions. Our risk management team is here for any questions or concerns you may have regarding your risk exposure.


Claims management:

  • Quarterly reviews of reserves to ensure accuracy of reporting to NCCI

  • Assistance in resolution of claims with company adjusters and our in house counsel

  • Review factors and underlying causes of poorly trending loss history

Audit review:

  • Determine accuracy of audits

  • Assist in audit dispute when there is a discrepancy in class codes

  • Risk Transfer review:

  • Thorough review of subcontract agreements, indemnity and hold harmless wording

  • Additional insured forms

  • OSHA training and compliance services

  • Reduction of workers’ compensation claims cost through return to work and safety programs tailored to the construction industry

  • Online and classroom training available for OSHA 10 Hour Supervisory training

Industries Served:

  • General (Prime) Contractors

  • Subcontractors:

    • Air Conditioning/Heating

    • Carpentry

    • Concrete Construction

    • Drywall/Wallboard Installation

    • Electrical work

    • Excavating/Grading of Land

    • Insulation

    • Masonry

    • Mechanical

    • Painting

    • Plastering

    • Plumbing (Residential/Commercial)

    • Road/Street/Highway/Overpass

    • Roofing

    • Sewer/Water Mains

    • Steel Installation (ornamental/structural)

    • Swimming Pool Installation

    • Waterproofing

  • Specialty:

    • Abatement/Asbestos/Lead Cleanup

    • Blasting

    • Boiler Installation

    • Drilling

    • Escalator/Elevator Installation

    • Gas Mains/LPG work

    • Pile Driving

    • Sprinkler Installation

    • Traffic Signals

    • Tunneling

    • Wrecking/Demolition

Coverage Available:

  • Commercial Auto

    • Composite rating ability

    • General Liability

      • Employee Benefits Coverage

      • Product Rework Endorsement

      • Property

        • Business Income and Extra Expense

        • Inland Marine

          • Builder’s Risk

          • Installation Floater

          • Contractor’s Equipment

          • Crane Coverage

          • Commercial Umbrella/Excess

          • OCIP/CCIP

          • Workers Compensation

            • Excess Casualty

            • Environmental/Pollution coverage

            • Surety/Bonding

            • Contractor’s Professional

            • Kidnap and Ransom:

              • Worldwide coverage for all employees and all family members of employees.

              • Employment Practices

              • Crime

                • Employee Dishonesty

Swingle, Collins & Associates specializes in contractors and construction companies insurance coverage The descriptions of coverages listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. For additional information of how Swingle, Collins & Associates can assist in meeting your coverage needs for general contractors, subcontractor, or asbestos cleanup insurance please contact your dedicated risk manager to discuss the benefits and services of personal homeowners insurance coverage. The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverages, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.