INSURANCE FOR THE Construction Industry
Get A Free Quote

Coverage for Foreseen and Unseen Risks

Construction business owners and workers face higher risks than most offices.  From managing construction work to acting as partners to architects and other design professionals, contractors are doing a lot more than building. Wearing more hats presents greater opportunities, but also exposes them to greater risks and liabilities that aren’t covered by most general insurance plans.

The Zuma Difference

At Zuma, our agents have experience working with all types of construction companies. We help them identify their greatest challenges and customize insurance packages that fully cover their equipment and protect their businesses against liabilities when the unexpected happens.

From workers compensation to property insurance to custom insurance coverage, we are happy to design unique solutions to fit our customers needs.

We specialize in designing custom insurance for contractors in the following areas:

  • General contractors
  • Independent contractors
  • Electricians
  • Roofers
  • Painters
  • Drywall contractors
  • Concrete contractors
  • Flooring & floor covering contractors (tile, hardwood floors, carpets)
  • Landscape contractors
  • Plumbing contractors
  • Sheet metal contractors
  • Ceramic and mosaic tile contractors
  • HVAC contractors (heating and air conditioning)
  • Janitorial services

Our Contractors Insurance Products

General Contractors Construction Liability Insurance

Construction is dangerous work. From slips to falls to injuries caused by power tools, contractors face a lot of occupational hazards. While accidents may not happen every day, contractors still need to protect their business against risks and have the right construction liability insurance in place before the unexpected strikes.
What does General Contractors liability insurance cover?

  • Bodily or personal injuries
  • Damages to a third-party’s property caused by employees

Workers Compensation Insurance

Workers compensation insurance is critical for any business that hires employees. It gives construction business owners peace of mind and the ability to provide benefits to employees who are injured or become ill on company time.

Contractors know the everyday risks, but there are also unseen liabilities that can damage their businesses and endanger the people they hire.

At Zuma, our agents work contractors to identify and protect their business against foreseen and unseen risks. We use their feedback and our industry insights to design a workers compensation solution that is a custom fit to their needs.

Contractor Bonds

While bonding requirements for contractors vary from state-to-state, most consumers want to hire contractors that are insured and bonded. Why? It gives consumers another layer of protection and the reassurance that they are working with a reputable contractor. These types of bonds also help protect contractors businesses if they can’t complete a job as expected or if their employees accidentally cause damage to a third-party’s property.

At Zuma, we can guide contractors through surety bonds and how their premiums are determined while simplifying the application process.

Commercial Auto

Whether a contractor or an employee is using a company vehicle to transport materials or travel from site-to-site, commercial auto insurance helps protect them if they have a driving accident and are found at fault.

At Zuma, our agents know all the hidden benefits of leading commercial auto insurance programs and how to use their discounts to lower contractors rates and find them the right coverage at the most competitive price. We don’t provide regular auto insurance, but are more than happy to insure your company vehicles.

Construction Property Insurance

Construction equipment is expensive, but most general contractors insurance plans don’t cover tools, business equipment or technology unless contractors specifically request it.

At Zuma, we know the ins and outs of contractors property insurance. We listen to our customers’ stories and use our insights to develop custom insurance solutions to protect their businesses against foreseen and unseen risks including roofing insurance to insurance for painters. From a $100 power tool to a $100,000 CAT wheel loader, we are here to help contractors find the right coverage for their business property.