Construction Insurance
Confidently protect your building projects large and small.
Protect Your Projects
Cover your construction projects with confidence. Manna Insurance will come alongside you to protect your projects, large and small. Whether you’re a contractor, landscaper, painter, plumber, electrician, or HVAC technician, we’re here to provide the policies you need so you can provide quality work for your clients.
So what coverage do I need?
A Sturdy Safety Net for Your Construction Projects
General Liability
Think of this as your foundation. General liability insurance covers accidents, injuries, or property damage that might occur on your construction site.
Builder’s Risk Insurance
If you're in the middle of construction, you need builder's risk insurance. It covers property damage or loss to the project itself, like theft, fire, or vandalism.
Contractor’s Equipment Insurance
Your tools and heavy machinery are the lifeblood of your construction business. This coverage ensures that if your equipment is damaged or stolen, you can get back to work without breaking the bank.
Professional Liability
Professional liability insurance covers errors or omissions in your design work, ensuring your clients are satisfied and you're financially secure.
Workers’ Compensation
Your construction crew is your greatest asset. Workers' compensation provides medical benefits and wage replacement to injured workers.
Commercial Auto
If you have a fleet of vehicles for your construction business, you'll need commercial auto insurance. It covers accidents and damage involving your work vehicles, so you can keep your projects moving.
Umbrella
Sometimes, unexpected disasters can lead to hefty claims. Umbrella insurance adds an extra layer of protection by extending your liability coverage beyond the limits of your other policies.
Need a Certificate of Insurance?
Ways to Save on Construction Insurance
Manna’s experienced brokers specialize in construction insurance and can help you navigate the complexities of this insurance type and find cost-saving opportunities for your projects, large and small.
Work with a broker
Carefully assess your project's specific needs and select the appropriate types and amounts of coverage. Avoid over-insuring or purchasing unnecessary coverage that doesn't align with your project's risk profile.
Choose the Right Coverage
Implement and enforce robust safety protocols and risk management practices at construction sites to reduce accidents and claims. Insurers often reward companies with strong safety records with lower premiums.
Manage Risk & Safety
ON THE PODCAST
ON THE PODCAST
Helping Construction Companies Succeed with Insurance
On this episode of (un)covered, Dan Vander Kooi and Caleb Hazel talk about insurance for construction companies. Caleb peels back the curtain on insurance for construction companies, shares what is often overlooked, and provides a handful of practical tips for those in the construction industry.
For anyone working in construction or public works, this is a fantastic episode to listen to!
Frequent Questions About Construction Insurance
Insurance can be complicated and confusing. We’re here to help answer your most common questions about construction insurance coverage.
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Construction insurance, also known as contractor's insurance, is a specialized type of insurance designed to protect construction professionals and businesses from financial losses and liabilities associated with construction projects.
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Construction projects come with inherent risks, including accidents, property damage, and legal liabilities. Construction insurance provides financial protection, ensuring that contractors, builders, and subcontractors can continue their work without bearing the full cost of unexpected events.
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In most states, workers' compensation insurance is mandatory for construction businesses. It provides medical benefits and wage replacement to employees injured on the job, reducing the risk of costly lawsuits and ensuring the well-being of workers.
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Many general contractors require subcontractors to carry their own insurance, including general liability and workers' compensation coverage. This helps ensure that subcontractors can handle any liabilities associated with their work.
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Construction insurance policies can be tailored to specific project types, including residential, commercial, industrial, and civil projects.
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Umbrella insurance provides additional liability coverage beyond the limits of primary insurance policies. It's beneficial for construction businesses facing large claims or complex projects, offering an extra layer of financial protection.
More Coverage Options
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Business Insurance
Safeguard your business with tailored insurance solutions to keep your operations running smoothly.
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Commercial Real Estate Investments
Protect your property investment from a wide range of risks, including property damage, liability claims, and income loss.
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Apartment Complex Insurance
Protect your property investment from potential risks, including property damage, liability claims, and loss of rental income.
Kind Words from Our Customers:
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Ciarra Flint
★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
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AJ Johnson
★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
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Emily Kooistra
★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!
Welcome to the Family
As a Manna Insurance customer, you are not just a number to us. We see you as part of our family and all that goes with being part of the #MannaFam.