Built to protect
Construction
Our construction coverages are driven by a deep understanding of contractors' unique risks and needs. Read on to learn how we can work together to build the perfect coverage solution for your construction clients.
APPETITE
Pre Title
Writing the Right Business Together
Click below to learn more about Central’s construction appetite and the types of construction business we want to write with you.
Small
Business
Attractive Markets
Electrical Work
Carpentry - Interior
Floor Covering Installation
Painting Interior Only
Paperhanging
In-Appetite Classes
Fence Erection
HVAC
Plumbing
Painting Exterior - Three Stories or Less
(not available in NY)
Plastering or Stucco Work - Interior
Middle
Market
Attractive Markets
Electrical Work
Builder’s Risk
(new construction)
Commercial General Contractors
(not available in NY)
Carpentry - Interior
Finishing Work
In-Appetite Classes
Builder's Risk
(remodels and renovations)
Masonry
HVAC
Landscaping
Plumbing
Swimming Pool Contractors
Large
Construction
Attractive Markets
Large Commercial Trade Contractors
Electrical
HVAC
Masonry
Commercial General Contractors
100% paper
Some self-performed work
Civil & Infrastructure Construction
Small Business
Attractive Markets
Electrical Work
Carpentry - Interior
Floor Covering Installation
Painting Interior Only
Paperhanging
In-Appetite Classes
Fence Erection
HVAC
Plumbing
Painting Exterior - Three Stories or Less
(not available in NY)
Plastering or Stucco Work - Interior
Middle Market
Attractive Markets
Electrical Work
Builder’s Risk
(new construction)
Commercial General Contractors
(not available in NY)
Carpentry - Interior
Finishing Work
In-Appetite Classes
Builder's Risk
(remodels and renovations)
Masonry
HVAC
Landscaping
Plumbing
Swimming Pool Contractors
Large Construction
Attractive Markets
Large Commercial Trade Contractors
Electrical
HVAC
Masonry
Commercial General Contractors
100% paper
Some self-performed work
Civil & Infrastructure Construction
GENERAL CONTRACTORS
Attractive markets are strong opportunities for profitable growth, where we believe Central and its agency partners can deliver the most long-term value. In-appetite classes align with our underwriting expertise and remain open for new business.
GENERAL CONTRACTORS
Coverage Crafted for General Contractors
Central’s specialized coverage, industry expertise, and dedicated construction support make us an ideal fit for general contractors. Check out the guide below for coverage highlights and loss prevention tips designed to help your clients strengthen their safety culture.
The Right Fit for Central
Meet our ideal construction client.
Our Ideal Account Characteristics
Three or more years in business
Favorable loss history
Well-managed operations with sound risk controls
Proper subcontractor agreements and contractual risk transfer
Safety-focused culture and employee training programs
Regional concentration in strategic growth states
KEY BENEFITS
Why Construction Companies Choose to Partner with Central
Specialized Expertise for a complex industry
Construction businesses face unique challenges, from subcontractor management and jobsite safety to equipment exposures and project delays. Our underwriting, loss control, and claims teams understand these risks and work closely with agents to help protect construction operations.
Key Benefits
– Industry-focused underwriting expertise
– Specialized contractor coverages
– Loss control support
– Dedicated claims professionals
– Long-term agency partnerships
32%
Construction comprises 32% of Central’s commercial lines book.
5 Years
We’ve more than doubled construction written premium over the last five years.
$205M
In 2025, we reached $205M in construction written premium.
55-1234
BOP
Bundled property and liability protection designed for small business owners.
BOP Contractor's Plus: The Contractor's Plus endorsement provides a valuable suite of extensions, supplemental coverages, and extended limits for various coverages included in our Installation Floater, Contractor’s Equipment, and Contractor’s Equipment Income forms.
55-1234
Builder's Risk
Designed to protect builders from covered losses tied to buildings, building materials, personal property, and equipment. Builder’s Risk provides a pro-rated premium return for the unused coverage period when completing a project ahead of schedule (excludes rehabilitation projects).
55-1234
Commercial Auto
Protects business vehicles from risks, including liability, collision, and more.
Business Auto Plus: BAP’s additional coverages and extensions provide an extra layer of protection against a wide range of commercial auto exposures.
55-1234
Commercial Lines Package
This bundled solution protects your client's business from the impact of unexpected events. Central's property coverage offers comprehensive protection for business assets, including buildings, equipment, inventory, and more. Our tailored coverage safeguards business property against risks such as fire, theft, vandalism, and natural disasters. For broad property protection the Central Premier® and Central Premier Plus® coverages are available.
General liability insurance protects businesses facing potential lawsuits, covering legal liability for bodily injury and property damage claims made by others. In addition to covering defense costs and attorney fees, our insurance addresses a wide range of claims, including bodily injury, property damage, personal injury, and advertising injury. You can enhance general liability coverage with the General Liability Plus endorsement.
55-1234
Property
Protects physical assets against a wide range of risks, such as fire, theft, and vandalism, ensuring businesses can recover quickly from losses.
• Contractor's Plus: The Contractor's Plus endorsement provides a valuable suite of extensions, supplemental coverages, and extended limits for various coverages included in our Installation Floater, Contractor’s Equipment, and Contractor’s Equipment Income forms.
• Premier Plus: A broad range of property-related coverage with blanket limits of $25,000, $50,000, $100,000, and $250,000. In the event of a covered loss, the blanket limit can be applied to one coverage or apportioned among a range of coverages.
• Tools and Equipment: Provides all-risk coverage for machinery, equipment, and mobile tools a contractor uses in their operations. Equipment and tools are covered while at a jobsite or the insured’s premises and in transit.
55-1234
Liability | NEW
Protects against third-party claims related to bodily injury, property damage, personal injury, and advertising injury.
• Contractor's E&O: Protects contractors from financial losses due to mistakes, oversights, or faulty work that result in financial harm to clients or cause project delays. This coverage helps safeguard against costly lawsuits and claims not covered by general liability policies, ensuring peace of mind for contractors and their clients.
• NEW | Contractor's General Liability Plus: Provides contractors with broader liability protection through updated forms aligned with common construction contract requirements. Includes all GL Plus enhancements, with added protection for care, custody or control, subcontractor work, medical payments, and sole negligence when required.
• Cyber Suite: Comprehensive coverage for businesses facing data breaches and cyber attacks, including data compromise response expense, computer attack, cyber extortion, data compromise liability, network security liability, electronic media liability, and identity recovery.
• Employment Practices: Protects small business employers from claims brought by employees alleging discrimination, wrongful termination, or harassment.
• Pollution Liability: Protects businesses from the costly aftermath of unintended pollution-related events.
55-1234
Commercial Umbrella
Additional liability coverage ranging from $1,000,000 to $10,000,000. By maintaining specific limits of liability coverage with underlying commercial policies, businesses can enhance their overall protection at an affordable price, ensuring comprehensive coverage for unforeseen liabilities.
55-1234
Workers’ Comp
A crucial safeguard for employees injured on the job. Our comprehensive coverage includes a 24/7 nurse hotline, as well as return-to-work and loss control services, ensuring employees receive the necessary protection and support when injured on the job.
Commercial Umbrella: Additional liability coverage ranging from $1,000,000 to $10,000,000. By maintaining specific limits of liability coverage with underlying commercial policies, businesses can enhance their overall protection at an affordable price, ensuring comprehensive coverage for unforeseen liabilities.
Workers’ Comp: A crucial safeguard for employees injured on the job. Our comprehensive coverage includes a 24/7 nurse hotline, and return-to-work and loss control services, ensuring employees receive the necessary protection and support when injured on the job.
"Construction is Central's largest, fastest-growing, and most profitable segment. With dedicated construction teams in each region, our expanded appetite and expertise open new opportunities for agents to win more construction business.”
Scott Zemberi
Senior Director of Construction Underwriting
Pre Title
Why Partner with Central
Central Insurance is built around relationships with our agent partners. We work alongside you to help identify opportunities, evaluate risks, and provide responsive service throughout the policy lifecycle. We provide this through:
– Dedicated underwriting support
– Regional decision making
– Loss control expertise
– Claims partnership
– Industry specialization
Ready to Discuss a Construction Opportunity?
Whether you're looking to place a trade contractor, Builder's Risk account, or commercial general contractor, our construction specialists are ready to help.
