Construction & Contractors

Construction Insurance for Contractors, Home Builders, Remodelers, and more…

Liability, Excess, Wrap-ups, and more…

Construction is a dangerous job and hard hats only provide so much protection. All Risks construction insurance brokers have the technical skill, resources, and experience to handle your clients’ tough risks including frequent and severe losses. We have the construction insurance markets to write in the toughest of states including those with Construction Defect laws. Let All Risks handle your hard-to-place construction and contractors with severe or frequent losses, including construction defect or new ventures with no prior coverage. Accounts include everything from small residential repair or remodeling to large Wrap-Ups on multi-family condominiums. Lay the perfect foundation for risk management with All Risks, Ltd. Annual policies, project specific policies, owner’s interest and wrap up policies (OCIP/CCIP) are available through A.M. better-rated carriers.

Target Classes

  • Artisan contractors and subcontractors
    • EIFS contractors
    • Excavators, land graders
    • Roofers, framers, siding and window contractors
    • Interior contractors
    • Electrical contractors
    • Steel Erection
    • Scaffolding
    • Concrete
    • Utility
    • Infrastructure


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  • General Contractors/managers - commercial and residential
  • Home builders - custom
  • Remodelers
  • Foreclosed and abandoned projects
  • Railroad contractors

Disclaimer: All classes and lines of coverage may not be available in all states. For current availability, please contact an All Risks Specialist.

Submission Requirements

  • ACORD forms
  • Supplemental application will vary by risk
  • 5 years loss runs

Find an Application

Submit a Risk
  • Commercial General Liability
    • Excess or Umbrella
    • Waiver of Subrogation – blanket coverage included per prior written agreement
    • Additional interests – blanket coverage when required by contract, written agreement or written permit for ongoing operations
    • Primary and noncontributory wording
  • Property
    • Building
    • Contents
    • Business Personal Property
    • Business Income
    • Basic, Broad and Special Form
    • Replacement Cost or Actual Cash Value
    • Equipment Breakdown
    • Contractor’s Equipment
    • Accounts Receivable
    • Computer Equipment
    • Outside Signs
    • Valuable Papers
  • Inland Marine
  • Excess
  • Pollution
  • Auto
  • Crime
    • Inside the Premises – theft of money and securities
    • Inside the Premises – robbery or safe burglary of other property
    • Outside the Premises

Tailored Products

  • Binding Authority
  • Practice and Project-Specific Policies
  • Builders’ Risk
  • Wrap-Up (OCIP/CCIP), Re-Wrap and Wrap Gap/DIC Policies
  • Discontinued Products/Completed Ops
  • EIFS
  • Railroad Protective
  • Owners’ & Contractors’ Protective and Owners’ Interest
  • Contractors’ Pollution
  • Contractors’ Professional
    • Design Build
    • Contractors’ Errors and Omissions
    • Data Breach

Additional Forms By Product

  • Project-Specific
    • Description of project
  • Wrap-Ups
    • Soils report
    • Overview of project, including project cost and sales details
    • Program admin & peer review firms
  • Owners’ Interest
    • Description of project
  • Discontinued Products/Comp Ops –
    • Overview of past work
  • Foreclosed and Abandoned Projects –
    • Description of project
  • Brokerage, binding and program capability
  • A.M. Best “A-” or better markets
  • Admitted and non-admitted carriers
  • Available nationwide
  • Monoline and package available
  • Low deductibles
  • Low minimum premiums
  • High limits available
  • New ventures with no prior coverage

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

Property & Casualty Overview

Learn about our binding authority, brokerage services, comprehensive coverage and business classes.

Collaborative Teams

Learn how we match our in-house resources to your business objectives.

Investing in Our Future

Nick Cortezi, CEO, explains how independence gives us a competitive advantage. Watch Now

Problem Solvers

Matt Nichols, President, explains how we add value to retail agent partners.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.