Contractors Insurance



Spending in the construction industry now exceeds $4 trillion and, let’s face it, construction is risky business. Read the daily headlines and you'll most likely find a story highlighting a lawsuit in the construction industry involving allegations of construction defect or major property damage to a building. Even worse, you will find stories about accidents on job sites involving a fall from scaffolding or a crane collapse, sometimes resulting in fatalities. Stepping onto a job site puts you, your construction company and your employees at risk for accidents and lawsuits with potential losses in the millions. Is your business protected for all the risks associated with operating a construction company? Since 1982, Swingle Collins has helped with contractors insurance programs for construction companies. As a matter of fact, our contractors insurance programs are specifically designed to protect our clients from the threat of financial loss. With our unique approach to contractors insurance, we are able to proactively build cost effective insurance programs to suit the needs of your construction company on any job site. We also work with our carriers to tailor a contractors insurance program and safety program to help avoid losses from occurring. The relationships we have with our carriers allow us to provide competitively priced contractors insurance programs on a guaranteed cost or loss sensitive basis. Whether you are a general contractor, subcontractor or a specialty contractor, we can help your construction company in all aspects of your property and casualty contractor insurance needs.  Swingle Collins can help you develop a safety program with an end result of healthy employees and larger contracts.



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.