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Built for contractors who work with risk, deadlines, and responsibility every day


Republic Insurance Group delivers specialized insurance, surety, and risk management solutions for construction companies and subcontractors—helping you win work, protect your balance sheet, and stay compliant on every job.

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  • Contractor-focused coverage and bonding expertise

  • Support for trade-specific underwriting challenges

  • Risk management and claims advocacy built for jobsites

Construction Site Worker

Contractors across the construction ecosystem

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We work with general contractors, specialty trades, and service contractors, including:

  • Commercial and residential contractors

  • Specialty trade subcontractors

  • Self-performing and multi-trade operations

  • Union and non-union contractors

  • Regional, multi-state, and project-based firms

  • Emerging contractors building bonding capacity

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Construction insurance isn’t about buying policies—it’s about qualifying for work, protecting contracts, and controlling loss frequency.

Construction & Contractor Segments

We routinely insure and support bonding for:

  • Construction & General Contractors

  • Spray Foam & Insulation Contractors

  • Fire Protection Contractors

  • Roofing, Sheet Metal & Building Envelope Contractors

  • Developers and Custom Home Builders

  • Flooring and Tile Contractors

  • Masonry Contractors

  • Structural Steel Erection & Metal Building Contractors

  • Disaster, Restoration & Biohazard Remediation Contractors

  • Environmental & Facility Service Contractors

  • Underground Utility Contractors

  • Installation & Concrete Contractors

  • Electrical Contractors

  • Plumbing, HVAC, Refrigeration & Mechanical Contractors

  • Janitorial, Pest Control & Exterminators

  • Facility Maintenance Contractors

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Each trade carries distinct loss drivers and underwriting scrutiny—we structure coverage accordingly.

Construction Worker Elevated

Core Risks in Construction

Construction claims and coverage disputes typically arise from:

  • Jobsite injuries and subcontractor exposure

  • Property damage during ongoing operations

  • Completed operations claims years after project close

  • Contractual risk transfer failures

  • Auto and fleet losses tied to crews and equipment

  • Tool, equipment, and materials theft

  • Environmental or pollution-related allegations

  • Bond defaults caused by cash flow or risk mismanagement

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We focus on preventing coverage gaps before they cost you contracts or bonding capacity.

Core Insurance Solutions

Coverage designed for real construction exposure

General Liability

  • Ongoing operations coverage

  • Products & completed operations

  • Additional insured and waiver coordination

  • Project-specific and blanket structures

Workers’ Compensation

  • Trade-specific classifications

  • Multi-state and jobsite exposure

  • Experience modification management

  • Safety and return-to-work coordination

Commercial Auto

  • Crew trucks and service vehicles

  • Heavy equipment transport

  • Hired and non-owned auto exposure

  • Fleet risk management support

Contractor’s Equipment

  • Owned, rented, and leased equipment

  • Jobsite and transit exposure

  • Theft, overturn, and mechanical damage

Umbrella & Excess Liability

  • Higher limits for GC and public work requirements

  • Protection over GL, auto, and employers liability

  • Often required for larger projects and contracts

 

Specialty Coverages

Often critical by trade or contract

Depending on your operations, we may recommend:

  • Professional / Contractor’s E&O – design-build, means & methods

  • Pollution Liability – remediation, utilities, environmental work

  • Builder’s Risk – course of construction projects

  • Installation Floater – materials and partially installed work

  • Cyber Liability – project data, funds transfer fraud

  • Employment Practices Liability (EPLI) – employee-related allegations

  • Subcontractor Default Insurance (SDI) – when applicable

  • OCIP / CCIP Review & Support

Surety & Bonding Solutions

Bonding is earned—not bought

Surety is a financial instrument, not insurance. Our role is to help contractors qualify, grow, and protect bonding capacity. Strong insurance programs and disciplined risk management directly impact bonding strength.

Common bond types:

  • Bid Bonds

  • Performance Bonds

  • Payment Bonds

  • Maintenance Bonds

  • License & Permit Bonds

  • Supply & Subcontract Bonds

How we help:

  • Bond program setup and carrier access

  • Financial presentation and underwriting support

  • Assistance growing single and aggregate limits

  • Coordination between insurance, contracts, and surety​

Residential Construction Site

A contractor-first approach

We understand construction because we structure programs the way underwriters, owners, and sureties evaluate contractors.

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Our process:

1. Operational review
Trades performed, self-perform vs subbed work, contract types, and job mix.

2. Contract & risk transfer alignment
Certificates, additional insureds, waivers, and indemnity reviewed for gaps.

3. Insurance & surety coordination
Coverage and bonding designed together—not in silos.

4. Claims & loss advocacy
Support that protects experience mods, reserves, and reputation.

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What contractors value most:

  • Straight answers and fast turnaround

  • Understanding of trade-specific risk

  • Support that helps them win and keep work

Frequently Asked Questions 

1) Why is construction insurance more complex than other industries?
Because losses are severe, long-tail, and contract-driven. Coverage must align with job requirements.

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2) How does insurance affect my bonding?
Strong insurance, loss control, and claims management directly support bonding capacity.

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3) Do subcontractors need the same coverage as GCs?
Different—but equally important. Many subs are underinsured for completed operations and auto exposure.

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4) What’s the biggest mistake contractors make?
Buying cheap coverage that fails contract requirements or leaves completed operations gaps.

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5) Can you help review contracts and insurance requirements?
Yes. Contractual risk transfer is a core part of our process.

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6) Is pollution coverage really necessary?
For many trades—yes. One allegation can threaten the entire business.

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7) How often should programs be reviewed?
Annually at minimum, and anytime operations or job mix change.

Construction Worker Inspecting

Built for contractors who operate in suburban, urban and rural areas

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From specialty subcontractors to complex construction operations, Republic Insurance Group helps contractors manage risk, protect contracts, and build long-term strength.

Disclaimer: Insurance coverage varies based on location, policy, and individual business circumstances. For details about coverage in your state, consult with a licensed insurance agent. The information provided on this site is for general reference only and does not guarantee compliance with state or federal laws. Coverage specifics are determined by the terms, definitions, and exclusions outlined in each individual policy. © Copyright 2025 Republic Insurance Group. All rights reserved.

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