General Contractor's Insurance

We do more to get it done

During construction or remodeling projects, general contractors can face a significant amount of risks in both property and liability.  From unintentional damage to a client or third parties property, to accidents resulting in injuries, to responsibility for materials, General Contractors have a lot on their plates.

Concklin Insurance Agency understand the unique risks of General Contractors.  We have been providing insurance solutions to small businesses for over 30 years as Independent Insurance Agents.  We have built relationships with over 40 regional and national insurance companies to make sure we can provide the right insurance at a competitive rate.

We value hard work and dedication which is why we hire Trusted Insurance Advisors and Licensed Insurance Professionals to assist you with every step of the insurance processes.

We focus on insurance so you can focus on getting the job done.

Work Comp Modification Improvements

Contractor Work Comp Credits

Safety Training Resources

Broad Coverage with Better Protection

Builders Risk-1

Builders risk insurance is a specialized type of property insurance that is intended to provide protection for buildings and structures that are under construction. These policies protect project owners, general contractors and subcontractors against direct physical loss or damage to covered property. This policy protects the property investor's original purchased asset, which is the cost of the land and building, and all additional monetary investment that is spent on remodeling, tear down and rebuild, conversion, etc. Builder's risk policies include property and general liability coverage.

E & O

General Liability policies do not provide coverage to protect against errors and omissions.  General contractors in particular are vulnerable to claims of negligence. Errors & Omissions (E&O), also known as Professional Liability, closes the gaps by providing contractors coverage related to failing to deliver on promised services, errors and oversights, negligence in providing professional services, and poor, incorrect or incomplete work.

Work Comp

Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident. Pay as you go worker’s compensation insurance is a solution that many businesses use to manage the rising costs of this insurance. Instead of charging large up-front costs, pay as you go workers’ compensation insurance allows companies to pay premiums as they pay their normal payroll.

General Liability

At a job site the contractor is ultimately responsible for all injuries and property damage that are results of the construction operation.  This includes acts of omission by subcontractors.  Construction sites are rife with the possibility of danger, from tripping hazards, objects dropped from ladders, to being attractive nuisance for children, vandals and thieves.  It is vital that your operations have sufficient General Liability Coverage.

Commercial property

Depending on your operations your property exposure is likely limited to an office and possibly a yard to store building materials or equipment. If materials are stored on site, such as lumber or bricks, there is an increase risk of fire, weather damage, vandalism, and theft that should be considered in your policy.  It is important to have your Commercial Property Coverage tailor to your operations.

bonds

License and Permit Bonds meet clients' requirements that the general contractor obtain financial guarantees for the completion of projects and payment of labor and supplies.

Auto

All Commercial leased vehicles should have a Commercial Auto Policy.  If you are using your personal vehicle to transport equipment and supplies you should verify that you personal auto policy offers adequate coverage.

Most insurance rates can be reduced with discounts for safety features and paid-in-full options.

 

inland marine

Inland Marine provides the coverage necessary to cover the dollar amount for the transportation of equipment, materials or assets of any kind by truck or semi-trailer, freight train, or shipping boat (within America).

 

Additional Resources

Client Portal
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client advocacy
Independent Agents act more like Trusted Advisors. We have your best interests in mind, even after coverage is bound. Like a Trusted Advisor, Independent Agents are your advocate if a claim should occur. Being in your corner means being there every step of the way, from helping you decide if a claim should be filed to talking with claims auditors and adjusters, the wellbeing of our clients is our number one priority.
blog post
What is Pay-as-you-go Workers’ Compensation?
Each Insurance Carrier seems to give it a different name, but the core of pay-as-you-go Workers’ Compensation remains essentially the same. So, what is it exactly? Pay-As-You-Go It sounds exactly like what it is – a payment system that works in real time with your business’s payroll to make automated premium withdrawal for Workers’ Compensation. Premium is calculated on actual payrolls which minimizes audit adjustments, meaning you don’t have to worry about an unexpected bill at the end of your payment cycle. Read More...

Contact Us

Michael Mormando
Michael Mormando

Michael Mormando

Producer

Michael, originally from New York and a graduate of the University of Denver, enjoyed a long tenure in the hospitality industry as a restaurant owner/operator, prior to joining Concklin Insurance. Michael gained a unique perspective of understanding and appreciating the ongoing difficulties in what today’s economic environment brings to everyday business people. Starting his insurance career, Michael felt his natural customer service talents would work best assisting business owners in managing their insurance programs effectively to ensure proper coverages and very competitive premiums available through Concklin Insurance.

michael@concklin.com

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240 S. WESTMORE MEYERS ROAD,
LOMBARD IL 60148
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Concklin Insurance Agency 2021