Building And Construction Insurance
Does painter insurance cover damage to a client’s property?
Protect Projects, Workers & Property With Building And Construction Insurance
Running a construction or building business comes with a unique set of risks, from property damage to third-party injuries and project delays. That’s why having the right building construction insurance isn’t just helpful, it’s essential. Gild makes it simple for small businesses in the building and construction industry to access tailored coverage through our network of trusted insurance providers. Whether you’re a general contractor, painter or plumber, we help you find policies that protect your projects, your crew, and your peace of mind.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Why Get Building And Construction Insurance?
If you own a business, the right insurance helps protect your cash flow, meet legal and contract requirements, and keep your doors open when the unexpected happens.
Here are some key reasons to consider business and construction insurance:
- Shield your cash flow from claims: Business insurance helps you avoid paying out of pocket for customer injuries, property damage, or lawsuits that could strain your finances.
- Stay compliant and contract-ready: Many states require workers compensation insurance, and clients or landlords often require proof of general liability insurance coverage.
- Protect your place and tools: Business personal property insurance can cover your business’ property, equipment, and inventory against covered losses like fire, theft, or vandalism.
- Protect Against Injuries, Damage, and Errors: General liability insurance helps cover third-party bodily injury and property damage.
- Take care of your team and HR risks: Workers compensation insurance provides protections related to on-the-job injuries, and employment practices liability insurance helps address claims of discrimination, harassment, or wrongful termination.
- Keep revenue flowing after a crisis: Business interruption insurance can replace lost income and help you reopen after a covered event.
Why Does My Business Need Building And Construction Insurance?
Certain business insurance coverages are required by state or federal law to protect employees and the public from business related risks.
The following business insurance types may be mandatory for your business:
- Workers Compensation Insurance: Required if you have employees. This covers medical bills and lost wages for work-related injuries.
- Commercial Auto Insurance: Required if your business owns or operates vehicles. This covers injuries and property damage related to your business’ vehicles.
- General Liability Insurance: Often required to obtain or renew certain licenses in trade, service, and professional industries.
The best way to find the right building and construction insurance is with a free, online quote!
What Is The Right Insurance For My Business?
Learn more about your business’ risks, select tailored insurance solutions, and explore the types of businesses Gild can insure:
- Food and Beverage
- Beauty and Salon
- Professional Services
- Facility Services
- Retail and Shops
- E-commerce and Online Retail
- Marketing, Media, and Communications
- Manufacturing
- Pet Services
- Healthcare and Wellness Practices
Get A Quote For Business Insurance Today!
With Gild Insurance, you’re not just getting a policy, you’re getting a partner who understands the unique challenges of running a small business. Together, we learn about your operations, tailor coverage to your specific risks, and help keep your business growing.
Frequently Asked Questions
Absolutely! But with the right policy coverage:
- General Liability Insurance covers accidental damage while working—such as overspray, floor drips, or equipment marks.
- Completed Operations Coverage (a components of general liability) covers damage discovered after job completion—like cracking, chipping, or peeling paint.
- Inland Marine Coverage can cover damage or loss of your equipment that could indirectly harm your job delivery.
The right policies protect you, and the client, from the cost of accidents that can happen on-site or after the job is done.
What risks does electrician insurance cover?
Electrician insurance protects against:
- Accidents and injuries—such as electrocution, burns, and ladder falls (workers’ comp).
- Property damage—from tool misuse, drilling into pipes, or system overloads (general liability).
- Professional mistakes—such as faulty installations or miswiring (E&O).
- Stolen or damaged tools—whether in your van or on-site (equipment coverage).
- Auto collisions—while traveling between jobs (commercial auto).
Does carpenter insurance cover tool theft or damage?
Yes! Tools & Equipment coverage (Inland Marine) specifically handles loss or damage risks:
- Theft from a parked van or jobsite.
- Damage during transport or use onsite.
- Accidental drop damage or weather-related losses.
If tools are your livelihood, insuring them means one unexpected incident won’t stop all your work.
Get The Best Insurance For Your Business Today!
Get Covered
