Liberty’s Construction Practice Group provides commercial insurance for general contractors, specialty trade and subcontractor businesses, heavy civil and infrastructure contractors, and project owners and developers. Coverage includes general liability, workers’ compensation, builder’s risk, commercial auto, umbrella/excess, and surety bonding support, with programs structured around each contractor’s role on a project — from a single-trade subcontractor to a GC holding the prime contract on a wrap-up. The practice group also advises on OCIP/CCIP wrap-up programs, experience modification rate (EMR) management, and bonding capacity strategy for contractors bidding public and large private work.
Today’s construction environment demands more than standard insurance placement. With nuclear verdicts climbing past $50 million, shrinking umbrella capacity, tighter bonding markets, and growing subcontractor risk, a single coverage gap can put even well-run contractors at risk.
Protecting margins and winning work now requires a strategic insurance partner who understands construction risk, structures coverage creatively, and helps you stay competitive in an increasingly unforgiving market.
Liberty’s Construction Practice Group delivers specialized insurance programs backed by deep industry expertise, proactive risk management, and claims advocacy that protects your organization, your providers, and your mission.
Talk to someone who gets it. Get access to industry experts, resources, and more.
Get coverage tailored to the unique risks impacting your business.
Dedicated claims advocacy with experience mod tracking and projections.
Liberty offers unparalleled experience in safeguarding construction and contracting businesses nationwide with deep industry knowledge, tailored coverage, risk mitigation strategies, and a dedicated claims team.
Unlike traditional brokers who view insurance as a commodity transaction, Liberty approaches healthcare risk as a strategic financial lever that directly impacts your capital efficiency and competitive position. Our unique carrier-side perspective enables us to identify structural inefficiencies in retention levels and claims management that typical brokers miss entirely.
Our integrated coverage approach transcends traditional policy silos, creating seamless protection that eliminates costly gaps while optimizing capital deployment.
Coverage designed for your leaders and staff.
Protect the property and equipment that you rely on every day.
Prepare for the unexpected with additional coverages.
Often yes. Contractors who take on design-build, design-assist, or value engineering work carry professional liability exposure even without a design license, because errors in plans or specifications you coordinate can trigger claims your general liability policy won’t cover.
It depends, but Builder’s Risk policies often cover your subcontractors.
Your EMR compares your injury frequency and severity to other contractors in your trade, and it directly affects both your premium and your ability to prequalify for work. Contractors lower it by fixing payroll classification and reserve errors first, then reducing claims frequency through safety programs and return-to-work practices.
Sureties weigh your financials and track record more than your job history. Contractors raise their bonding capacity by strengthening their balance sheet, submitting CPA-prepared financials with accurate work-in-progress reporting, and proving they finish jobs on time and on budget.
There’s no standard limit — required insurance and bonding limits come from the contract and the project itself, not a fixed rule. Public and larger private jobs spell out minimum GL, umbrella, auto, and workers’ comp limits in the bid documents, and Liberty reviews your contract to confirm exactly what you need before you bid.
Unlike brokers who treat construction insurance as a commodity, Liberty approaches contractor risk as a strategic lever that directly affects bonding capacity, competitiveness, and growth. Our cross-line expertise allows us to uncover inefficiencies in program structure, retentions, and umbrella design that traditional brokers routinely miss.
By engineering smarter casualty and wrap-up programs, we’ve unlocked additional bonding capacity and delivered material project-level savings—helping contractors bid stronger, win larger work, and execute with confidence.
Founded in 1987, The Liberty Company Insurance Brokers has grown from a Californiabased agency into one of the nation’s premier insurance brokerages, with $2 billion+ in managed premiums across 80+ offices nationwide.
Our team includes specialists with decades of construction sector experience who understand the unique challenges facing contractors— from contract risk transfer to experience mod management to wrap-up structuring.
We leverage deep relationships with top construction carriers and surety markets to secure bonding capacity, competitive terms, and strategic advantages that other brokers cannot access.
We review contracts on every bid, identify coverage gaps before they become claims, and develop comprehensive strategies that protect your loss history and experience modification rate.
Our analytics capabilities transform complex loss data into actionable intelligence, allowing you to make informed decisions about retention levels, safety investments, and mod improvement strategies.
