Built for the Way Contractors Actually Work
Job-site injuries, subcontractor exposure, tool theft, change-order disputes, surety requirements — construction is one of the most complex commercial risks to place. Our team has spent decades writing this business and knows which carriers specialize in which trades. That means faster certificates, broader coverage, and better pricing than generalist agencies can offer.
Coverage Tailored to the Job Site
General Liability
Third-party bodily injury, property damage, and completed-operations coverage for every job site.
Contractor's E&O
Protect against design defects, faulty workmanship claims, and professional liability exposures.
Commercial Auto
Trucks, vans, and trailers — including tools-in-transit and hired/non-owned auto.
Tools & Equipment
Inland marine coverage for hand tools, power equipment, and heavy machinery on or off the job.
Workers' Compensation
Required in nearly every state — we secure competitive rates for high-mod and ghost-mod operations alike.
Builder's Risk
Course-of-construction coverage for ground-up builds, remodels, and renovations.
Every Trade, Every Licensed State
No matter your specialty or where you build, FIG can place coverage across all 26 states we're licensed in.
Coverage Across Every Phase of the Job
Construction risk shifts from contract to closeout — your policy should keep up at every step.
Pre-Bid
COIs, additional insureds, waivers of subrogation, and bonding capacity confirmed before the contract is signed.
Mobilization
Tools & equipment, hired/non-owned auto, and inland marine activated as crews and materials hit the site.
Construction
GL, workers' comp, builder's risk, and pollution liability respond to the day-to-day exposures of an active build.
Closeout & Warranty
Completed-operations and contractor's E&O extend protection past punch list — for years after final payment.
Certificates, Endorsements & Bonds
GCs, municipalities, and lenders all want different things on your COI — and slow turnarounds cost you jobs. We standardize the request, hold every endorsement in your file, and turn certificates around the same hour.
- ✓Same-hour Certificates of Insurance
- ✓Additional Insured (ongoing + completed ops)
- ✓Waiver of Subrogation — blanket where available
- ✓Primary & Non-Contributory wording
- ✓Surety bonding through partner markets
- ✓OSHA / safety program credits applied at renewal
Licensed in 26 States
We write contractor insurance in every state we're licensed in — multi-state crews and traveling contractors covered from one agency.