Construction

This coverage is an essential element of any construction companies insurance portfolio. It serves as a financial safeguard against any damages or medical payments that a company may become obligated to pay due to bodily injury, property damage, or personal/advertising to third parties caused by or relating to their work.

Workers' comp policies provide benefits to employees or their families in case of sickness or death due to work-related incidents. These benefits may include medical care, disability benefits, wage replacement, and death benefits.

This coverage can protect your company from any liability arising from accidents involving your business vehicles, as well as any damage to the covered automobiles.

Umbrella/Excess Liability is useful whether you're working on a project that requires higher limits, or you want to insure against potential high-dollar incidents or claims. It can be written over your liability, workers comp, commercial auto, or any combination thereof.

Pollution/Environmental Liability is typically purchased when required by contract - but is an essential consideration for any construction operation. It fills in the gaps in general liability coverage for third-party bodily injury, property damage, defense costs, and cleanup related to pollutants.

Inland Marine, also referred to as tools & equipment coverage, is a property coverage for low and high value movable equipment.

This typically includes:

- Property in Transit (nail guns, welders, hand held tools)​

- Mobile Equipment (skidders, excavators, forklifts, etc.)​

- Computer Equipment & Data (accounting software, procedures, lead-tracking data, and other electronic assets)​

EPL insurance is a policy that covers legal expenses related to defending against claims of civil rights violations or unfair working conditions made by an individual employee or a group of. This type of insurance can be a financial lifesaver; even if you have done nothing wrong. it can help you avoid the financial burden of a baseless lawsuit.

Every business is different and needs a thorough assessment of which coverages should be considered in building a robust and comprehensive risk management program.

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Whether you need Cyber Liability, Wrap/OCIP insurance, Builders Risk, Errors & Omissions, or more, Jefferson can help you protect your operation through our strategic partnerships and appointments.