Construction workers on site


Building better construction coverage

From initial bid to successful closeout, there’s no such thing as a “simple” construction project. Without the right protection, unseen vulnerabilities can disrupt operations, delay schedules, and affect the bottom line.

Across our coverage offerings we help protect contractors and project owners of all kinds, with everything from general, professional, and environmental liability to workers compensation, auto, property, surety bonds, and more. And with our strong financial ratings, plus the strength and stability to have weathered more than 100 years of industry changes, it’s clear why our construction customers trust us to be their full-service carrier of choice.

A protective partnership

Solutions for complex risks

New construction technologies and processes are driving efficiency, safety, and productivity across the industry. As this evolution unfolds, companies need holistic solutions to manage the accompanying risks.

We take a flexible, industry-specific approach to meet the needs of the construction industry, offering key coverages, including:

  • Builder’s risk and contractor’s equipment
  • Commercial auto
  • Contractors environmental legal liability
  • Designers and contractors professional liability
  • Environmental
  • Subcontractor default
  • Surety contract bonds
  • Workers compensation
  • Wrap-up/project-specific programs combining general liability and professional liability protection

We also offer a captive insurance option for our midsize clients seeking to participate actively in their primary casualty risk-management program. Participants own the captive insurance company, while also benefiting from our industry-leading claims and risk consulting services.

Our specialized solutions can help manage existing and emerging risks, whether for owner-controlled insurance (OCIP), contractor-controlled insurance (CCIP), project-specific joint ventures, design build, or public-private partnership (P3) programs.

Liberty Mutual Insurance is proud to be the preferred insurance carrier of the American Society of Concrete Contractors.

Expertise that delivers

Whether your company is considering an integrated primary wrap-up or wants to maintain a safer job site, our underwriters, risk control specialists, service teams, and claims professionals help keep complex construction operations moving ahead.

With more than 100 years of experience writing construction business and regional and jurisdictional expertise, we help identify and respond to key construction risks like:

  • Opioid misuse
  • Falls from heights
  • Employee ergonomics and wearables
  • Drone safety

Then, through on-site analysis of facilities, intelligent benchmarking, and data analytics, we develop practical, holistic risk mitigation strategies specific to the construction industry.

Services in sync

From the very start, you’ll notice the synergy across our underwriting, account service, risk control, and claims teams. Whether we’re helping you onboard smoothly or get back on track after a subcontractor default, we see every interaction as an opportunity to exceed expectations.

With our complex construction offering, customers can benefit from:

  • Dedicated service teams, construction attorneys, and construction-specific claims teams for liability, workers compensation, defect, professional liability, and surety
  • Complex construction claims professionals with expertise in excess liability, multinational, and New York labor law
  • Surety consulting services and benchmark reporting
  • A secure portal for account management and to report casualty claims via our risk-management information system
  • Safety and risk mitigation guidance and materials available online and by phone

Count on us for flexible insurance programs, proactive service, and high-quality claims experiences that will help you realize a lower total cost of risk.

People planning at an interface

Bringing more to the middle

Our dedication to knowing the nuances of the industries we target is just one reason to partner with Liberty Mutual for your middle market needs. With a steady appetite, essential products, and the advantages of a global company, we’re ready to place your business.

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Get in touch

Our commercial and specialty insurance products and services are distributed through brokers and agents. If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.

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Related insights

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.