CONSTRUCTION INSURANCE
Insurance Built for Contractors & Builders
From residential remodelers to large commercial general contractors, Hoya builds insurance programs that meet project owner requirements, protect your crews, and keep your business moving forward.
30+
Years insuring contractors
48
States we operate in
3
Service languages
Fast
Certificate turnaround
COVERAGE OPTIONS
What We Cover
A complete insurance program for construction businesses — from the first shovel to the final punch list.
General Liability
Core protection for bodily injury and property damage claims arising from your construction operations, completed work, and job sites.
- Premises & operations
- Products & completed operations
- Contractual liability
- Personal & advertising injury
Builders Risk
Covers structures under construction against fire, theft, vandalism, and weather damage — from groundbreaking to project completion.
- Structure & materials in transit
- Temporary structures
- Soft costs coverage
- Flood & earthquake options
Commercial Auto
Coverage for trucks, vans, and heavy equipment vehicles used to transport crews, tools, and materials to job sites.
- Owned & leased vehicles
- Hired & non-owned auto
- Fleet programs
- Tools & equipment in transit
Workers' Compensation
Construction is one of the highest-risk industries for workplace injuries. Protect your crew and your business.
- Medical expense coverage
- Lost wage replacement
- Employer's liability
- Experience modification support
Contractor's Equipment
Covers owned, rented, and leased equipment — excavators, cranes, lifts, and tools — against damage, theft, and breakdown.
- Owned & rented equipment
- Inland marine coverage
- Theft & vandalism
- Breakdown coverage
Professional Liability (E&O)
For design-build contractors and construction managers who provide design or consulting services alongside physical work.
- Design errors & omissions
- Construction management liability
- Project-specific coverage
- Claims-made form
Umbrella / Excess Liability
Additional liability limits above your GL, auto, and workers' comp — required by most general contractors and project owners.
- Excess over primary policies
- High-limit options
- Follow-form coverage
- Project-specific umbrella
Pollution Liability
Covers cleanup costs and third-party claims from pollution events on or from your job sites — mold, asbestos, fuel spills, and more.
- Site pollution liability
- Contractor pollution liability
- Transportation pollution
- Mold & asbestos coverage
RISK LANDSCAPE
The risks contractors face on every project
Construction is consistently one of the most hazardous industries in the US. Job site accidents, property damage, equipment theft, and subcontractor liability can all threaten your business. Hoya helps you build a program that satisfies project owners and protects your bottom line.
Talk to a specialist- Third-party bodily injury on active job sites
- Property damage to adjacent structures
- Theft of tools, equipment, and materials
- Workers injured during construction activities
- Defective workmanship and completed operations claims
- Environmental and pollution events on job sites
- Subcontractor liability and contractual exposure
- Project delays and business interruption
Ready to protect your construction business?
Our team understands contractor requirements, project owner demands, and the unique risks of the construction industry. Let's build the right program for your business.