Coverage that keeps contractors building.

Construction risk is contract-driven: the GC, the lender, and the municipality all dictate what your insurance has to say. We build programs that satisfy the paperwork and actually protect you — and we turn certificates around the same day so work never waits on us.

Coverage built for this industry

General Liability

Premises, operations, and completed-operations coverage written for your actual trade class — with the additional-insured and waiver endorsements your contracts require.

Builders Risk

Course-of-construction coverage for new builds and renovations — structured per-project or as a reporting form for repeat builders.

Contractor Tools & Equipment

Inland marine coverage for the tools, machinery, and equipment that move between jobsites — the property your package policy quietly excludes.

Workers’ Compensation

Correct class codes, experience-mod review, and payroll audits handled with you — so you pay for the risk you actually have.

Commercial Auto

Trucks, vans, and trailers with the hired/non-owned coverage that protects you when an employee runs to the supply house in their own vehicle.

Bonds & Surety

License, permit, performance, and payment bonds through surety partners — coordinated with your insurance program instead of bolted on.

How Geneva works this class

Contract-literate coverage

We read your contracts’ insurance requirements before we quote — additional insureds, primary-and-noncontributory wording, waivers of subrogation — so the certificate matches the contract the first time.

Same-day certificates

A certificate request should never hold up a job. COIs go out same-day, usually within hours, with the endorsements your GC actually asked for.

Market breadth for tough trades

Roofers, demo, foundation work, and high-rise trades get declined by standard markets routinely. Our specialty and surplus-lines access means a hard class still gets real quotes.

Programs that scale with backlog

When your revenue doubles, your audit shouldn’t be a surprise. We set deposits and reporting around your projected backlog and adjust mid-term as the work comes in.

Frequently asked questions

My trade keeps getting declined. Can you place it?

Usually, yes. Tough trades — roofing, demolition, structural work, anything with height — are a placement problem, not a coverage problem. We work with surplus-lines and specialty markets that write these classes every day, and we’ll tell you upfront what the market realistically charges.

What does a certificate of insurance cost?

Nothing. Certificates, additional insureds (where your policy’s blanket endorsement applies), and renewal certificate refreshes are part of the service. If a contract requires an endorsement that carries a carrier charge, we tell you before binding it.

Do I need builders risk if my GC has coverage?

It depends what the contract makes you responsible for. Subs are often required to carry their own installation coverage even under a GC’s builders risk. We read the requirement and answer it specifically — guessing is how gaps happen.