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
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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.
Attractive Markets
Builder’s Risk
(New construction)
Commercial General Contractors
Electrical
Finishing Work
Homebuilders
(program business in select markets)
In-Appetite Classes
Builder’s Risk
(Remodels & renovations)
Excavations
HVAC
Lawncare & Landscaping
Painting
Plumbing
Swimming Pool Contractors
Large Construction
Large Commercial Trade Contractors
Electrical
HVAC
Masonry
Commercial General Contractors
(100% paper or some self-performed work)
Civil & Infrastructure Construction
Attractive Markets
Builder’s Risk
(New construction)
Commercial General Contractors
Electrical
Finishing Work
Homebuilders
(program business in select markets)
In-Appetite Classes
Builder’s Risk
(Remodels & renovations)
Excavations
HVAC
Lawncare & Landscaping
Painting
Plumbing
Swimming Pool Contractors
Large Construction
Large Commercial Trade Contractors
Electrical
HVAC
Masonry
Commercial General Contractors
(100% paper or some self-performed work)
Civil & Infrastructure Construction
The Right Fit for Central
Meet our ideal construction client.
Our Ideal Account Characteristics
Proper contractual risk transfer for subcontracted work
Successful businesses that are specialists in their construction operations, building proficiency over three years
Documented quality assurance/quality control procedures
Proper subcontractor selection procedures
29%
Construction comprises 29% of Central’s commercial lines book.
5 Years
We’ve more than doubled construction written premium over the last five years.
$171M
In 2024, we reached $171M in construction written premium.
Construction
Coverage Highlights
Central offers a broad range of commercial coverages specifically designed for contractors, including:
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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.
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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.
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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.
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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.
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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.
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Liability
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.
• 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.
• General Liability Plus: Provides 15 general liability enhancements in one convenient package. Coverages include lost key coverage, employee benefits liability, personal and advertising injury, and more.
• Pollution Liability: Protects businesses from the costly aftermath of unintended pollution-related events.
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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.
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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
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Why Central
With specialized construction teams in every region, we equip agents with the products, tools, and support to write a range of contractors. Our tailored coverages, deep industry insight, and growing appetite reflect Central's commitment to construction, and we’re proud to partner with you in protecting the people and businesses shaping our communities.
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