Construction Insurance


No matter your role in a project, any company involved in the construction field is open to a multitude of liabilities and risks. This can range from serious accidents involving workers being injured to hazardous material spills to property damage caused by crane operator error. As a business owner, you need to be prepared for the risks you know are there and anticipate what may occur, and you can do both with our contractor liability insurance and other risk management programs.

Heffernan's construction insurance brokers serve all sectors of the industry:

  • Alternative Energy
  • Concrete
  • Construction Managers
  • Developers
  • Design/Build Companies
  • Drywall and Plaster
  • Engineering Firms, including Roadwork
  • Environmental
  • General Contractors
  • Specialty Contractors
  • Subcontractors
  • Building Trade Contractors including:
    • Carpentry
    • Electrical
    • Glaziers
    • Landscapers
    • Masonry
    • Painters
    • Plumbing
    • Roofing
    • Mechanical/HVAC

Join our growing network of over 1,000 contractor and developer clients nationwide. We understand your perspective and will work with you to create a program specific to your needs.

To speak to one of our construction insurance specialists, please contact Heffernan Insurance Brokers today.

Brian Murphy

Brian Murphy

Heffernan Construction Practice Leader
D: 707.789.3065

Brian Billhartz

Brian Billhartz

Senior VP, Wrap Up Solutions
D: 636.489.0185



Larry Jackson

Larry Jackson

Senior VP, Wrap Up Solutions
D: 636.489.0184

For Wrap Up Administration Capabilities

visit Wrap Up Insurance Solutions


Startups and Small Businesses

For businesses looking for an instant customized insurance quote, fill out our online form by clicking below:

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Building Superior Construction Insurance for Contractors

No matter what you build, we can build a construction policy for you

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Construction & Contractors Insurance Experts

We’ve worked with all types of construction and contractor companies and know the particular liability insurance each one requires for the variety of projects they typically work on. It’s important to partner with an insurance and risk management expert who understands the nuances that affect different players in the construction market.

For larger general contractors or construction managers responsible for a number of subcontractors, that means evaluating subcontractors for their own risks, not to mention the big picture risks to the project. If you are a subcontractor or provide a specific skilled trade, you often have project-specific risks that can vary greatly from project to project.

Architects, Consultants & Engineers — Visit our Professional Liability Insurance for Engineers & Architects page.

Insurance that’s Connected.

Since our inception, Heffernan Insurance Brokers has been committed to the construction industry, serving general contractors and subcontractors. We actively participate in trade associations, serve on various boards, speak at conferences, and author industry-related articles.

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Your construction liability insurance needs to be flexible enough to adapt to the different sites and types of projects.

Heffernan's construction experts can help you navigate:

  • Contractor Liability Insurance
  • Surety & Subcontracting Default Insurance
  • Contractor Workers' Compensation Insurance
  • Contractor Controlled Insurance Programs/Wrap Up Insurance
  • Vehicle Insurance
  • Environmental Impact Insurance
  • And more

Heffernan Insurance Brokers has the experience to help you through these complex offerings. We can also package together the right mix of products to meet your business needs in a comprehensive risk management portfolio. If you need to file a claim, our agents are also ready to quickly and professionally assist you, no matter how complex or catastrophic.

Wrap Up Insurance / CCIP

We can also help you judge the right wrap-up insurance for large construction projects, providing Contractor Controlled Insurance Programs (CCIP) that includes general liability, workers' compensation, and more in one package.

Our dedicated wrap-up team has managed over $30 billion of construction values. Our proprietary software system allows you to customize the service model and provides real time, 24/7 access to the administration system.

Managing Risk With Heffernan

Regardless of the size of your organization or the scope of work you perform, having an understanding of your financial risks is important if you want to maximize profits and grow your business. Heffernan agents have the capability to evaluate your business and provide a detailed and targeted risk management solution that is built to your needs.

Heffernan brokers will examine a number of factors in evaluating the risks to your business:

  • Past claims
  • Size and scope of work your company provides
  • Type of projects you work on
  • Public or government-funded projects
  • Make-up of your workforce

As a client, you will have the benefit of using our proprietary Risk Management Center, a web-based platform that allows you to track key documents (such as OSHA compliance certificates), incident and claim information, and job hazard/safety analysis. Our loss control team routinely visits jobsites to keep abreast of potential issues and can provide experience modification projections on long-term projects.

Surety and Construction Bonds

Heffernan has extensive experience in delivering bonding solutions to the construction industry, from a simple, small project all the way up to multi-million dollar, highly complex projects. Our agents are trained to fully serve your bonding needs quickly and efficiently. We have relationships with the top bonding agencies in the United States and overseas. Heffernan can place bid bonds, performance bonds, maintenance bonds, and more.

A Closer Look at Workplace Safety

Oftentimes, reducing risks and financial liability means an increased focus on workplace safety for those involved in the construction industry. Insurance underwriters know there is a direct correlation between increased workplace safety practices and fewer claims. Heffernan’s experienced construction insurance professionals are ready to help you evaluate your current workplace safety practices and identify ways to improve safety with an eye for mitigating risk and financial liability. This is vitally important if you are obtaining a CCIP where a good workplace safety program is key to reducing claims and, in turn, costs.

Our insurance brokers are ready to discuss your construction business insurance and risk management needs. Contact us today to see why Heffernan is the smart contractor’s choice for the full range of contractor insurance services.

Talk with a Construction Insurance Expert.

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