Thayer-Innes Insurance Agency and Freeman Bunting Insurance Agency specialize in the construction industry, providing residential and commercial contractors with the insurance programs they require to protect against an array of risks. We will meet with you to put together a meaningful insurance and risk management program that addresses your specific risk profile, helping you mitigate and transfer exposures that can upend your business and prevent you from meeting your goals.
Our Construction Insurance Solutions
From third-party liability risks to pollution liability exposures, professional liability claims, equipment theft, vehicular accidents, loss of revenue, on-the-job injuries, and much more, we will provide you with the right mix of coverages to safeguard your property, the property of others, your clients, employees and financial assets. Depending on your specific operation and needs, we can procure the following key construction insurance coverages:
- Contractors General Liability
- Contractors Professional Liability
- Contractors Pollution Liability
- Builder’s Risk for buildings under construction
- Commercial Auto
- Commercial Umbrella Liability
- Commercial Property
- Equipment Breakdown
- Business Interruption/Business Income
- Inland Marine for property in transit such as tools and supplies, mobile equipment
- Employment Practices Liability
- Workers Compensation
In addition, we also offer wrap insurance for larger construction projects, providing General Liability and/or Workers Compensation and Excess/Umbrella coverage for all participating contractors on a construction project under one primary insurance policy – from the project’s construction phase to its completed operations phase. A wrap can also be designed to offer continuity of coverage after a project is completed, critical as the potential for liability remains.
If you need assistance with Surety Bonds – from license and permit bonds to bid and performance bonds and others – look to our expertise and experience in this area as well.
Safety Comes First
An effective safety program helps eliminates hazards and prevents injuries from occurring. Our staff can review your safety program to determine where you can make improvements. This not only improves worker productivity and morale, but also will help you prevent claims and control your workers compensation premiums. Improving your risk profile will help you gain an edge over your competition when bidding out work and save money.