We have extensive experience in the construction industry and we pride ourselves on assisting clients in identifying areas of risk and finding the right insurance policy coverage for your unique needs. Our experts leverage their knowledge and expertise to find comprehensive insurance coverage and tailor it to mitigate your risk so that you have optimal coverage for your business at the best possible rates.
Commercial insurance is important for a variety of construction trades including painting, plumbing, electrical, HVAC, drywall, masonry, and more. Because Construction Insurance covers such a wide range of businesses, it is essential that you work with an experienced insurance broker to ensure that your policy provides the best coverage for your business needs. Let us use our knowledge and experience to help you. We will review your current coverage or find you a new policy for peace of mind that you are protected.
Possible insurances for your business
General Liability
Every construction business is unique and regardless of the type of construction work you do, it is important to have general liability insurance. This insurance protects you in the event that someone is injured or property is damaged as a result of a wide array of negligence. Coverage is provided regardless of your case outcome.
Workers' Compensation Insurance
Whether you have one employee or one hundred, accidents happen and Workers’ Compensation Insurance is essential protection for both you and your employees. This insurance covers you in the event that an employee suffers a workplace injury or illness, protecting you from litigation and paying for an employee’s medical fees or lost wages that result from the incident.
Commercial Vehicle Insurance
Most businesses in the construction industry have one or more vehicles used for work. Commercial Vehicle Insurance covers vehicles of all types and sizes. It is essential insurance coverage for any business and should cover accident-related incidents as well as collision and non-collision damage.
Commercial Property Insurance
Any building, such as an office or warehouse, that you use for your business needs to be protected by Commercial Property Insurance. This important protection covers you in the event that something like theft, fire, winds, falling objects, or other incidents lead to physical losses. Things considered to be physical losses include tools, equipment, computers, furniture, and more.
Builders Risk Coverage
Though every construction project is unique, regardless of things like job size or complexity, you need Builder’s Risk Coverage to minimize your risk of catastrophic loss. This type of insurance protects buildings, materials, tools, and equ9pment on a job site so that, in the event of something like theft or damage, you do not suffer unanticipated losses prior to project completion.
Inland Marine
It is a common occurence for goods, materials, tools, and equipment to be transported from facilities to job sites. Inland Marine insurance protects those goods during transit or in the process of being transported. This prevents you from a loss related to something like an accident or theft. You can also tailor insurance to your needs so whether you want to insure items for Actual Cash Value, Replacement Cost, or both, you can rest assured that you have the coverage needed to prevent a total loss.
Umbrella Insurance
Due to the nature of the work done in the construction industry, it is common to worry about a devastating loss that exceeds your primary insurance policy maximums. Umbrella Insurance can provide you strategic protection and peace of mind that if your claim exceeds your primary insurance policy maximum, your umbrella insurance will cover the remaining debt so that you don’t have to pay out-of-pocket.
Professional
All construction industry businesses need Professional Insurance coverage to ensure you are protected in the event that you are accused of negligence. This insurance pays for damages awarded in a civil lawsuit. Additionally, if a civil lawsuit is deemed groundless, this coverage may also pay for your defense fees.
Pollution
Virtually every business in the construction industry uses chemicals or other substances that are considered environmentally hazardous. Pollution insurance protects you in the event that an accidental, spill, or leak occurs that results in pollution or third-party injury or death. It provides protection against liability, paying for any related medical fees or other damages. If necessary, it also pays for brownfield restoration and cleanup.
Cyber Insurance
Databases are a commonplace object in today’s workplace as many businesses now keep phone numbers, emails, and addresses online. This data while protected by some measures could still be possibly be breached. This insurance protects against potential breaches of cyberspace such as data destruction, extortion, theft, hacking and denial of service attacks.
Employment Liability Insurance
Taking care of your employees can be one of the most important steps a business can take for success. Employers Liability Insurance protects your employees if they are affected by an illness or job-related injury not covered by workers compensation. It is often bundled with your workers compensation insurance in order to provide the best coverage.
Our Experience
We not only focus on General Contracting, but also have experience in Heavy Grade Engineering such as bridges, steel work, grading, and underground work. Our wide range of experience in the various facets of construction insurance has allowed us to create a stable and responsive approach to this class of business and produce many long-term relationships with our business partners. Our goal at RRM is to have you succeed, because your success is our success. Whether it is a new risk reduction solution or negotiating an amendment for your policy, you can always find RRM in your corner fighting for you.
Our Solutions
With modern day solutions to everyday problems, we offer:
Proof Of Insurance
24/7 digital proofs of insurance through our online portal. `
Risk Management Materials
We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.
Apply Online
Online quick apply small contract bonds for up to $400,000
Great Support
Unwavering employees, dedicated to helping you find a unique solution to your problem.
Our Beliefs
We believe while 21st digital solutions make workplaces efficient and quick paced; but some projects require a human interaction that cannot be replaced by a digital portal. We pride ourselves on our staunch dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe your more than just another number in our book, you’re a business partner, one we know we can keep for life.
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