Contractors & Construction
Construction and contracting businesses operate in a fast-moving, contract-driven environment where risk is shaped as much by agreements and job sites as by insurance policies. Swingle Collins works with commercial, residential, and infrastructure contractors who need an advisor that understands how coverage decisions affect their ability to win work and manage projects profitably.
From general liability and builders’ risk to workers’ compensation, auto, excess liability, and specialty coverages, we design programs that align with your scope of work and risk tolerance. Our goal is not simply to place coverage, but to structure it strategically so it supports bidding, bonding capacity, and long-term growth.
We go beyond placement by reviewing contracts, advising on risk transfer, and helping establish certificate standards that protect your business across projects. For contractors operating in high-hazard environments, we bring additional insight into safety, loss control, and alternative risk structures.
Our role is to act as an extension of your team — helping you manage risk thoughtfully, stay compliant, and focus on getting the job done.
Core Construction Coverages
- Commercial General Liability (CGL)
- Builders’ Risk (including soft costs and delay in completion)
- Workers’ Compensation
- Commercial Auto & Fleet
- Umbrella & Excess Liability
- Contractor’s Pollution Liability
- Professional Liability (for design-build exposures)
- Errors & Omissions (E&O)
- Equipment / Inland Marine (Contractor’s Equipment)
- Installation Floater
Contract-Driven & Project-Specific
- Additional Insured Structuring
- Primary & Non-Contributory Endorsements
- Waiver of Subrogation Review
- OCIP / CCIP Advisory
- Surety Bond Support & Coordination
- Subcontractor Default Insurance (SDI)
Operational Risk & Specialty
- Employment Practices Liability (EPLI)
- Cyber Liability (for project management systems)
- Directors & Officers (D&O) for larger construction firms
- Pollution & Environmental Liability
- Railroad Protective Liability (if applicable)
- Owners & Contractors Protective (OCP) Liability
- Completed Operations Coverage
- Crime / Employee Theft
- Property for Office & Yard Facilities
