Taking care
of Builders
Insurance should be more than a cost center for your construction business
At IGA, we go beyond just finding you low premiums. We work with all parts of your construction business to boost your bottom line.
Schedule a call with one of our construction insurance team members and let us show you how we can help you make more money.
We take care 0f builders
We put a complete team around you to support every single need you have. And not just any team. Folks with deep construction insurance experience who can get you exactly what you need, when you need it.
We know how it feels
While we may not be the same kind of builder you are, we know what it means to build a business. When it comes to construction, we specialized in helping companies just like yours get the bonds, coverage, resources, and relationships needed to grow.
We know how it feels
While we may not be the same kind of builder you are, we know what it means to build a business. When it comes to construction, we specialized in helping companies just like yours get the bonds, coverage, resources, and relationships needed to grow.
Lower Premiums are just the beginning
No matter your size or history, we’re in it to go beyond your typical insurance broker and make an impact on your bottom line.
Bonds
Get More Bonds
Raise your limits
Win more work
Helping our clients secure bonds and increase their bond limits is what we’re known for around here. Here’s why:
Our team approach
Our dedicated team works closely with accountants and surety/bond carriers to get your bonds secured fast. We go to bat for you each and every time.
Our deep industry experience
We understand the surety/bond market like no one else and know how to get carriers to see the best in your project. We will get you approved and get your bond limits raised when no one
else can.
Our proactive energy
Our construction agents just don’t sit behind a desk. We’re out in the field making sure your questions are answered, your problems are solved, and you have the bonds and coverage you need to solve the problems in front of you.
Why Construction
Companies Choose Us
David Frazier
Hardaway Construction
Coverage that helps you build better
Let’s face it, if you stop building then America will stop growing
“Essential” isn’t a sufficient term to describe what your business means to our nation. At IGA, we have a vision to create a world where every person, family, and construction business is taken care of. We know that this is possible, and we know the kind of America we can build together if we reach that goal.
Click below to set up a quick phone call to talk about how we can help you build for the long term.
Become a construction company that wins
Whether it’s bonds, winning bids, or getting basic coverage for your growing team, we have a team of people ready to help you get what you need when you need it. Here are some of the ways we help construction companies win:
Click on an item below to learn more about all the ways we take care of construction companies like yours.
Surety bonds
Get more bonds. Raise your limits. Win more work.
If you don’t get bonds, you won’t win work. It’s just the way it is. Bonds are the fuel in the engine that keeps your business moving upwards. Not being able to get bonds can do more than hurt your bottom line, they can damage your entire business. We are the best in the business at helping our clients secure bonds and increase their bond limits.
We are here to help…
- Provide financial analysis
- Review of your current surety program
- Understand and analyze your business and offer solutions
- Give you quick turnaround with your surety bond needs
What’s offered? Here’s a few examples.
- Bid bonds
- Performance bonds
- Payment bonds
- License bonds
- Permit bonds
If what you’re looking for isn’t on the list, give us a call and we will get you taken care of.
Workers' compensation
Peace of mind for your employees. And you.
If you’re like us, your employees are your greatest asset. Without a rock-solid workers’ compensation policy in place, they might not feel safe working with you. Typically, this policy is mandatory for employers to have in place and covers things like medical care and lost wages for an employee injured on the job.
Your workers’ compensation package might include things like:
- Payment systems
- Medical disability case managers
- Life care planning nurses
- Legal staff
- Contracts with medical network providers
- Vocational rehabilitation consultants
Builder's risk
The vulnerability of your construction site doesn’t have to feel scary.
When you add builder’s risk to your policy, contractors, subcontractors, and stakeholders will sleep easier at night knowing the site is protected.
What’s covered?
- Buildings and structures under construction
- Equipment onsite or in transit to your job site
- Other items unique to your site
Contractor's equipment
Coverage for the tools you rely on
Your business can’t work well if your equipment doesn’t. It can be nerve-racking to rely on tools without the right safety net in case something happens.
What’s covered?
- Machines and equipment
- Cleanup after an accident
- Losses that would otherwise impede the progress of the project
Contractor’s errors & omissions insurance
We know you’re skilled, but you’re also human. Mistakes and claims happen.
Even the most talented builders run into trouble. Maybe it’s just a tiny detail missed along the way, or maybe expectations were misaligned. Either way, disagreements can happen. You’ll be prepared when they do.
What’s covered?
- Risks involving damage to your work, product, or any impaired property
- Gaps left by comprehensive general liability insurance
- Keeps you taken care of in the event someone is unhappy with your work
Commercial building & property insurance
When you’re out on the site, don’t forget about what’s back at the office.
Your building/office and property aren’t always front and center when you think of construction insurance, but they have a place in your policy. Things like damage, theft, or natural disasters are all causes with huge effects on your bottom line.
What’s covered?
- Your building
- Furniture and equipment
- Inventory
- Outdoor business signs
- Fixtures
- Other people’s property
Commercial umbrella insurance
Nobody’s perfect. And neither are insurance policies.
Your liability policies cover you for a lot, but it has its limits (literally!). Umbrella insurance covers you for what’s on the fringes. Like a fail-safe for your business and assets.
What’s covered:
- It can broaden coverage in your plan — if a part of your general liability doesn’t cover something, you can add it to your plan
- Umbrella insurance can increase coverage totals
- Umbrella insurance allows you to customize a policy even further so it’s just right for your business
Employment practices liability
You’re creating an amazing culture. That can still come with challenges.
The liability risk for employment practice starts at the interview. We know you’re working to build a great culture in your construction business, but you can still run into trouble along the way.
What’s covered?
- Employee discrimination claims
- Wrongful termination claims
- Harassment claims
- Other employment-related issues
General liability
You’ve worked hard to build your company. Now it’s time to build your protection.
Also referred to as “commercial liability,” general liability insurance covers your business’s general liability exposures and minimizes financial risks, such as the death or injury of an employee, lawsuit, or natural disaster.
What’s covered?
- Bodily injury and property damage liability
- Personal and advertising injury
- Medical payments
- Products completed operations
- Damage to premises rented to you
Employee benefits
Taking care of business means taking care of your employees.
The livelihood of your employees directly translates into the livelihood of your business. Finding the right benefits program is tough, there is no one-size-fits-all solution. Consider us your partner-in-crime for coming up with the right program for your business. We help you give your people what’s best for them, and even provide an online platform that puts them in control of choosing their plan and takes the burden off your shoulders.
Here’s a few examples of what we can offer:
- Group health plans (fully insured or self-funded)
- Group vision
- Group dental
- Group disability, long and short term
- Voluntary plan options
- Life and AD&D
- Retirement benefits
- Health & wellness consulting
- Section 125 Plans
- Health saving accounts
- Benchmarking tools to assist in employee retention
- Compliance, health care reform, HR Briefs
If what you’re looking for isn’t on the list, give us a call and we will get you taken care of.
Commercial auto
Hit the road and take your protection with you.
It may not be as unsettling as your 16-year-old son driving alone for the first time, but sending drivers out can be nerve-racking. Anyone under the sun knows it can be a circus on the roads. Before you send your team out there, get the care and coverage you need.
What’s covered?
- Collision coverage
- Auto liability
- Medical payments
- Coverage on rented or borrowed vehicles
- Employee coverage
What about the vehicles covered? Here’s a few.
- Regular cars and SUVs
- Light and medium weight dump trucks
- Utility vans
- Tow trucks
Pollution liabilty
Protect your business from pollution-related lossless.
You didn’t get into the construction business to focus on pollution risk. With this coverage, you can get back to focusing on the job, not the risk.
What’s covered?
- Third party claims of property damage related to contamination allegations
- Third party claims of bodily injury related to contamination allegations
- Environmental cleanup operations
- Coverage can even extend to past operations
Crime insurance
Sometimes people do bad things. Don’t let them get you down.
Criminal activity happens everywhere. When it comes into your world, it’s normal to feel a little helpless. With the right crime insurance, you will feel taken care of. You’ll be able to move on quickly without the lasting repercussions.
What’s covered?
- Theft of property
- Third-party fraud (like forgery)
- Computer systems fraud
- Impersonation fraud
- Employee dishonesty
Fiduciary liability
Protect your plan fiduciaries.
For those put to the task of managing employee benefit plans, there is a lot on the line— for yourself and for your employees. As a fiduciary, you have a lot on your shoulders in terms of following plan documents to a T. With that responsibility can come a lot of liability. A fiduciary liability insurance policy protects fiduciaries against these claims of mismanagement.
What’s covered?
- Your company and your employees
- Personal liability for management of employee benefit plans
Management liability
Focus on managing your business. Not on your risk.
Managing a construction business comes with inherent risks. A management liability policy can keep you focusing on your jobs, not being worried about your risk. Think of this policy as a full suite of protections to your board-level employees.
What’s covered?
- Board-level exposures and risks related to managing your business
- Employment practices liability
- Fiduciary liability
- Crime coverages
Risk management
Think of this as your “safety police” that work 24/7.
At IGA, we are passionate about workplace safety. It’s a crucial part of great company culture. Especially in the construction business. Having the right safety practices in place can affect your bottom line in a big way.
We’ve been creating comprehensive safety programs for nearly 20 years. You’ll work with one of our all-stars, Kelsey, who will guide you through your safety program development.
What’s offered? Here’s a few examples.
- OSHA training courses
- Safety program design
- Safety audits
- Accident investigation
- Safety training and development of training resources
- Substance abuse program administration
- First aid, CPR, AED Training
- Air and noise sampling
We’ll take care of business so you can keep building
Start a conversation with one of our team members, and learn how insurance with IGA can pump money back into your bottom line.
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