Construction

No matter what part of the Construction industry you are in, you are in a high risk business. From framing and roofing to electrical and plumbing. Rogue Business Solutions has the expertise and carriers to protect your business and projects.

General Liability

General liability insurance is a fundamental coverage for construction companies, designed to protect against a wide array of risks associated with construction activities. In an industry characterized by complex projects, heavy equipment, and on-site hazards, having robust general liability insurance is essential for safeguarding both the company’s assets and its reputation. Construction sites inherently carry a variety of risks, particularly concerning property damage that may occur during the course of construction. If construction work inadvertently damages a neighboring property, general liability insurance helps cover the costs associated with repairs and legal fees. This protection is vital for maintaining good relationships with clients and neighboring businesses, as well as for preserving the company’s reputation in the community. Another significant aspect of general liability insurance is its role in contract compliance. Many clients and contracts require proof of general liability coverage before work can commence. By securing this insurance, construction companies not only protect themselves but also ensure they meet contractual obligations, enabling them to secure and retain valuable projects.

Inland Marine

Inland marine insurance is a crucial coverage option for construction companies, designed to protect movable property and specialized equipment while in transit or on job sites. As construction projects often involve significant investments in tools, machinery, and materials, having robust inland marine coverage is essential for safeguarding these valuable assets against theft, damage, or loss. Construction operations frequently require transporting equipment and materials between various locations. Whether it's heavy machinery being moved to a new site or valuable materials waiting to be used, inland marine insurance provides protection against risks associated with transit. This coverage can help mitigate financial losses if equipment is damaged during transport or if materials are lost or stolen while in transit. Additionally, inland marine insurance covers equipment and materials stored at job sites. Construction companies often have substantial investments in tools and machinery that are left on-site overnight or during breaks. If these items are damaged due to weather events, vandalism, or theft, inland marine coverage ensures that the company can recover the value of those assets, minimizing disruption to their operations. Another benefit of inland marine coverage is its flexibility. This insurance can be customized to fit the unique needs of a construction company, allowing businesses to select coverage limits and options that align with their specific risk exposures. This tailored approach ensures that companies are adequately protected without paying for unnecessary coverage.

Commercial Auto

Commercial auto insurance is a vital coverage for construction companies, designed to protect vehicles and drivers used for business purposes. In an industry that relies heavily on transportation for moving equipment, materials, and personnel to various job sites, having comprehensive commercial auto coverage is essential for minimizing risks and ensuring smooth operations. Construction companies often operate a fleet of vehicles, from trucks and vans to specialized equipment haulers. These vehicles are critical for transporting tools, heavy machinery, and construction materials, making commercial auto insurance indispensable. This coverage protects against potential liabilities arising from accidents involving company vehicles, including property damage and bodily injury claims. One of the primary benefits of commercial auto insurance is its coverage for vehicles used specifically for business activities. If an employee is involved in an accident while driving a company truck, commercial auto insurance helps cover repair costs, medical expenses, and legal fees, safeguarding the company’s financial interests. Additionally, commercial auto insurance can provide coverage for theft or damage to vehicles, ensuring that construction companies can quickly recover and replace essential transportation assets. Given the investment in vehicles and the potential for downtime caused by accidents or repairs, this coverage is crucial for maintaining operational efficiency.

Builders Risk

Builder's risk insurance is a critical coverage for construction companies, designed to protect buildings under construction from various risks. As projects often represent significant financial investments, having robust builder's risk coverage is essential for ensuring that construction companies can navigate potential setbacks and continue their projects with confidence. This insurance typically covers property damage to the structure being built, as well as materials and equipment on-site. Risks such as fire, vandalism, theft, and severe weather can jeopardize a construction project, leading to costly delays and repairs. Builder's risk insurance provides financial protection against these unforeseen events, helping to mitigate the impact on project timelines and budgets. One of the key features of builder's risk insurance is its coverage during the construction phase. Unlike standard property insurance, which may not cover unfinished structures, builder's risk is specifically tailored to protect buildings that are in progress. This ensures that construction companies have peace of mind knowing that their investments are safeguarded until the project is completed and transferred to the owner. Additionally, builder's risk insurance can be customized to fit the unique needs of each project. Coverage options may include protection for materials stored off-site, liability for injuries that occur on the construction site, and coverage for equipment and tools. This flexibility allows construction companies to tailor their policies to address specific risks associated with their projects.