What We Do
Insurance for Construction & Contracting
Insurance for contractors: general liability, workers' comp, builder's risk, and the surety bonds project owners and licenses require.
Talk to an expert
Request a call with an expert. Tell us about your situation and we will follow up within one business day with next steps.
Insurance for construction and contracting
Contractors need a program that meets project-owner requirements, state license obligations, and the realities of multi-site work. We assemble general liability, workers' comp, and builder's risk alongside the bid, performance, and payment bonds that contracts demand.
The coverage stack we build
The lines we most often assemble for contractors. Each is placed only where your trade and contracts require it.
General liability
Third-party bodily injury and property damage on and around the jobsite.
Workers' compensation
Medical and lost-wage cover for crews, with the class codes contracts require.
Builder's risk and inland marine
Protects the project under construction and the tools and equipment you move.
Surety bonds
Bid, performance, and payment bonds placed through our bonds team.
Common claim scenarios
Representative situations these lines respond to. Illustrative, not a guarantee of coverage.
A passerby is injured at the site
General liability funds the third-party bodily-injury claim.
A crew member is hurt on the job
Workers' comp pays medical costs and lost wages, and shields you from most suits.
A general contractor asks to be added
We issue the additional-insured certificate the contract requires.
Checklist
Insurance for Construction & Contracting checklist
Tell us about your operation
Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price.
We market your risk to carriers
Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side.
Review quotes and choose limits
You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium.
Bind coverage and get your documents
Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day.
Manage renewals and changes
As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure.
FAQ
Frequently Asked Questions
Licensing regulations by state
Licensing regulations by state
Where you operate shapes what you file
52 of 52 jurisdictions documented. Pick a state to see the regulator, the license rule, and the bond.
What We Do
Why Cornerstone Licensing for insurance for construction & contracting
- States covered
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All 50
States covered
Filings, agents, and renewals everywhere you do business.
- Specialist assigned
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1:1
Specialist assigned
A real person who knows your filing inside out, start to finish.
- Surprise fees
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0
Surprise fees
Transparent scope and quote up front. No add-ons mid-stream.
What We Do
Insurance for contractors: general liability, workers' comp, builder's risk, and the surety bonds project owners and licenses require.
Cornerstone Licensing
How we use AI
AI helps our licensing team work faster. Our specialists still own every call.
For Insurance for Construction & Contracting filings, AI helps our team find the right starting point quickly and reuse data you have already given us, so the work moves without extra effort from you. A licensed Cornerstone specialist reviews everything before it leaves our hands. Your information stays on our infrastructure, not in a public LLM.
On Our Infrastructure
Our models run on Cornerstone servers, not public chatbots. Your business information is not sent to a third-party LLM or used to train anyone else's product.
An Assistant, Not an Operator
AI helps our licensing team start their research in the right place and surface the resources to look at. Specialists vet what comes back and make the call.
Less Duplicate Work for You
Atlas figures out what data each form needs, then reuses what you have already given us so the same question does not come around twice. That is how approvals come faster.
Explore More From Our Team
Tools and references our customers use most.
What We Do
Ready to price insurance for construction & contracting?
Share a few details and an agent will respond within one business day with the lines that fit and the carrier panel we plan to market to.