Insurance for General Contractors
AREAS OF LIABILITY FOR GENERAL CONTRACTORS
As a general contractor, you’re responsible for coordinating trades, meeting deadlines, and delivering safe, code-compliant results. With that responsibility comes risk
Subcontractor Mistakes
You could be held liable for the work of your subs.
Jobsite Injuries
Accidents involving workers, inspectors, or visitors.
Property Damage
Equipment accidents, weather damage, or utility disruption.
Contractual
Liability
Failure to meet scope, schedule, or performance guarantees.
Regulatory
Exposure
OSHA violations, permit issues, or jobsite safety concerns.
Project Delays & Budget Overruns
Delays caused by GC coordination can trigger lawsuits or withheld payments.
With project values rising and margins tightening, insurance is your best line of defense.
The Challenge of Finding the Right
Insurance for General Contractors
Many brokers don’t understand the complex risk profile of modern GCs. They offer:
- Cookie-cutter packages not designed for self-performing GCs or CM roles
- Exclusions that void coverage if a sub causes a claim
- No support during certificate requests, audits, or contract negotiations
You need a partner that understands how projects actually run.
How Strux Is Different
Strux Insurance was founded by engineering and construction professionals who understand the industry and the risks. We’re not just brokers. We’re industry professionals who have practical experience in the construction industry and need the same kind of insurance solutions that you do. Here’s what sets us apart:
Construction-Experienced Team
Founded by industry veterans with real-world GC experience
Carrier
Relationships
We work with insurers who specialize in commercial construction and contracting
Custom
Coverage
Wrap-ups, builder’s risk, commercial auto, umbrella policies—we’ve got it all
Efficient
Support
Fast COI turnaround, ongoing certificate tracking, and claims support
How to Determine Which Insurance Plan
Is Right for Your Business
Contractor insurance isn’t one-size-fits-all. Here’s how to evaluate your needs:
1. What Do You Do?
- Self-performing or subcontracting?
- Residential, commercial, or industrial?
- Renovations or ground-up construction?
These factors influence your GL, workers comp, and umbrella needs.
2. What’s Your Risk Tolerance?
- Can your balance sheet handle a $25k deductible?
- Do you need OCIP/CCIP participation?
- Are you bonded or working with government contracts?
3. What’s the Total Cost?
Premiums vary widely. We help you weigh total cost of risk, not just premium, including audit exposures, exclusions, and limits.
4. Who’s Supporting You?
A good GC policy isn’t just about paperwork—it’s about partnerships. At Strux, we work with you through the life of the policy—not just at renewal.
Get the Right Coverage for Your Practice
General contractors face enough pressure in their everyday work. You shouldn’t have to worry about whether your insurance will hold up if something goes wrong.
Strux Insurance helps contractors across the U.S. get the coverage they need to keep doing what they do best.
Answer Some Questions About Your Business and Projects
Get An Instant Quote Tailored To Your Business
Choose The Best Plan and Sign Up Online
Prefer a call?
If you’d like a custom quote from one of our agents, reach out to us at
945-293-3922.
Prefer a call? If you’d like a custom quote from one of our agents, reach out to us at 945-293-3922.
The Strux Insurance Team
Our company was founded by engineering and construction veterans, who understand the challenges of getting the right coverage and built solutions to serve the engineering, architecture and construction communities. We’re more than an insurance provider—we’re industry veterans who understand the real risks behind every drawing and project. We created StruX to fill the gap between generic insurance offerings and the specialized needs of architects, engineers, builders, and general contractors. Our mission is to deliver tailored, cost-effective coverage that protects your projects, your business, and your peace of mind—so you can focus on building what’s next.
Tyler Cook
Managing Director
Rachel Hammond
Director of Client Success
Janae Spinney
COO, StruCalc
Let Strux Cover the Hard Work
From framing contractors to multi-state builders, we help GCs get covered, stay compliant,
and win more bids with confidence.
Let’s protect your projects.