Fifty-three percent of contractors report that professional positions – project supervisors, estimators and engineers – are difficult to fill¹.

Timelines, change orders and contract administration add to your concerns.

The need for a knowledgeable, specialized insurer is paramount to your success.

Mahar Insurance is one of Michigan’s leading construction insurance brokerage firms.

Insurance for Your Construction Business

After years of experience working with construction companies, from the local general contractor to national entities, we know that protecting your business from risk requires a deep understanding of the industry.

No matter the size, your business can benefit from our experience in addressing key areas of risk and the solutions to keep your workplace safe, including construction ergonomics; crane, scaffold, and excavation safety; and more.

We work with a variety of Insurance Providers servicing:

General building contractors*
Heavy construction contractors
Specialty trade contractors

Construction Insurance

We offer customized construction insurance including general liability, workers’ compensation, commercial auto insurance and much more. Certain coverages for contractors are available by themselves, but we also offer full BOPs with a wide variety of options.

Who needs construction insurance?

Any business that works in a construction trade, such as building construction, heavy construction or home improvement, needs to carry construction insurance to protect them from risk. We offer many types of construction insurance including:

Security Company Insurance
Home Builder Insurance
Developer Insurance
Renovation Insurance
Welding Insurance
And more…

Laws may vary by state, so make sure you’re familiar with the local rules and regulations where you work.

General liability insurance

General liability insurance, or GL, is a fundamental part of construction insurance. It could provide protection against lawsuits and other financial liabilities that result from things like accidents or other mishaps.

Here’s a list of a few companies Mahar Insurance partners with to bring you great insurance options.

Travelers who specializes in offering:

Risk Control, Underwriting and Claim professionals, dedicated to your industry, are skilled in helping you better manage complex indemnity, additional insured and contractual exposures.

Traveler’s does this via its …

INDUSTRYEdge^® for General Contractors insurance product.

General contractors have unique risks.

Travelers INDUSTRYEdge offers products and insights to help our customers stay ahead of risk by preparing for it and ultimately helping to reduce loss costs and keep projects running smoothly.

Travelers’ broad, tailored coverages and enhancements are based on deep knowledge and experience in the construction industry, and specifically designed to meet the needs of our customers.

Liberty Mutual whose risk control consultants and property risk engineers also work to help lower your total cost of risk.

Liberty Mutual specialization spans beyond risk control.

They have dedicated industry underwriters for larger, more complex risks who focus exclusively on construction.

In addition, their legal personnel are experts in construction defect and accident liability, and our specialized claims units excel at handling complex and catastrophic construction claims.

Business-Specific Coverages

In addition to offering core coverages such as commercial auto and workers compensation, Mahar Insurance leverages Liberty Mutual to also offer coverages tailored for your construction business, including:

Inland marine insurance (builder’s risk, contractor’s equipment, installation floater)
Owners and contractors protective liability (OCP)
Project-specific coverages (e.g., wrap-ups, joint ventures)
Railroad protective liability

Progressive Insurance Company

GL is often bundled with a variety of other coverages in a Business Owners Policy, or BOP. However, you might be eligible to get construction insurance with general liability coverage through the Progressive Advantage^® Business Program without getting a full BOP. Check eligibility.

Business owners insurance

Business Owners Insurance (BOP) could provide various protections for construction businesses including general liability insurance, and loss of income coverage. Find out if you’re eligible to include BOP – through the Progressive Advantage Business Program – as a part of your construction insurance plan. Check eligibility.

Workers’ compensation insurance

Workers’ compensation insurance through the Progressive Advantage Business Program could help cover the medical costs and a portion of lost wages for an employee who becomes ill or injured during work.

Discover if you’re eligible to include workers’ compensation coverage to your construction insurance package. Check eligibility.