Builders Mutual Insurance – At Builders Mutual Insurance, we understand the unique risks and challenges that contractors face on a daily basis. That’s why we have tailored our insurance solutions specifically for the construction industry. Our comprehensive coverage is designed to protect contractors, builders, and construction professionals against a wide range of risks, from property damage to bodily injury.

With over 35 years of experience in the industry, Builders Mutual Insurance has earned a reputation for providing reliable and affordable insurance solutions. We work closely with contractors to assess their specific needs and develop customized insurance plans that provide the right level of coverage at competitive rates.

As a contractor, you need insurance that not only protects your business but also gives you peace of mind. With Builders Mutual Insurance, you can feel confident knowing that your coverage is backed by a company that understands your industry and is dedicated to your success.

Whether you are a general contractor, subcontractor, or specialty trade contractor, Builders Mutual Insurance has the expertise and resources to meet your insurance needs. Contact us today to learn more about our insurance solutions and how we can help protect your business.

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Why contractors need specialized insurance

Contractors operate in a high-risk environment where accidents can happen at any time. From construction site injuries to property damage caused by faulty workmanship, contractors face a myriad of risks that can lead to costly lawsuits and financial losses. That’s why it is crucial for contractors to have specialized insurance coverage that is tailored to their unique needs.

Builders Mutual Insurance understands the construction industry inside and out. With over 35 years of experience, we have seen it all and know the specific risks that contractors face. Our insurance solutions are designed to address these risks head-on and provide contractors with the protection they need to safeguard their businesses and livelihoods.

Coverage options provided by Builders Mutual Insurance

Builders Mutual Insurance offers a wide range of coverage options that can be customized to meet the unique needs of contractors. Our policies are designed to provide comprehensive protection against various risks, including property damage, bodily injury, liability claims, and more.

1. General Liability Insurance: This coverage protects contractors against claims of bodily injury, property damage, and personal injury arising from their operations. It provides coverage for legal fees, medical expenses, and damages awarded in a lawsuit.

2. Workers’ Compensation Insurance: As a contractor, your workforce is your most valuable asset. Our workers’ compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs in the event that one of your employees is injured on the job.

3. Commercial Property Insurance: Construction sites and equipment are vulnerable to various risks, including theft, vandalism, fire, and natural disasters. Our commercial property insurance provides coverage for the physical assets of your business, including buildings, tools, and equipment.

4. Contractor’s Equipment Insurance: Construction equipment is expensive and vital to the success of your business. Our contractor’s equipment insurance protects your valuable machinery, tools, and equipment against theft, damage, and loss.

5. Professional Liability Insurance: If you provide professional services as a contractor, such as design or consulting, professional liability insurance is essential. It protects against claims of negligence, errors, or omissions that may arise from your professional services.

6. Commercial Auto Insurance: Contractors often rely on vehicles to transport materials, equipment, and workers to and from job sites. Our commercial auto insurance provides coverage for liability and physical damage to your vehicles, as well as coverage for hired and non-owned vehicles.

Benefits of choosing Builders Mutual Insurance

Choosing Builders Mutual Insurance for your contracting business comes with numerous benefits. Here are some of the key advantages you can expect when you partner with us:

1. Industry Expertise: With over 35 years of experience in the construction industry, we have a deep understanding of the unique risks and challenges contractors face. Our team of experts is dedicated to providing you with the best insurance solutions tailored to your specific needs.

2. Customized Coverage: We know that every contractor is different, and that’s why we offer customized coverage options. Our insurance plans can be tailored to meet your specific requirements, ensuring that you have the right level of protection for your business.

3. Competitive Rates: We understand that cost is an important factor for contractors. That’s why we offer competitive rates without compromising on the quality of coverage. Our goal is to provide you with affordable insurance solutions that meet your budgetary constraints.

4. Claims Support: In the event of a claim, we are here to support you every step of the way. Our dedicated claims team is available 24/7 to help you navigate the claims process and ensure a smooth and efficient resolution.

5. Risk Management Resources: At Builders Mutual Insurance, we believe in proactive risk management. We provide a range of resources, including safety training materials, educational webinars, and risk assessment tools, to help you minimize risks and create a safer work environment.

Case studies: Real-life examples of how Builders Mutual Insurance has protected contractors

At Builders Mutual Insurance, we have a long history of protecting contractors and helping them overcome challenges. Here are a few real-life examples that illustrate how our insurance solutions have made a difference:

1. Case Study 1: Protecting Against Property Damage: A general contractor experienced significant property damage due to a fire caused by faulty electrical wiring. Thanks to their comprehensive property insurance coverage with Builders Mutual Insurance, they were able to quickly recover and resume their operations without major financial setbacks.

2. Case Study 2: Liability Coverage for a Subcontractor: A subcontractor was sued for bodily injury resulting from a fall at a construction site. Builders Mutual Insurance provided the subcontractor with professional liability insurance coverage, which protected them against the costs associated with the lawsuit, including legal fees and damages awarded.

3. Case Study 3: Workers’ Compensation Support: A construction worker suffered a severe injury while working on a project. Builders Mutual Insurance’s workers’ compensation coverage not only covered the worker’s medical expenses and lost wages but also provided rehabilitation support to help them get back on their feet. Click here if you need help logging in to Builders Mutual’s website.

How to get a quote from Builders Mutual Insurance

Getting a quote from Builders Mutual Insurance is quick and easy. Simply visit our website and fill out the online quote request form. Our team of experts will review your information and provide you with a comprehensive quote tailored to your specific needs.

Tips for selecting the right insurance coverage for your contracting business

Choosing the right insurance coverage for your contracting business is crucial to protect your assets and ensure your long-term success. Here are a few tips to help you make an informed decision:

1. Assess Your Risks: Take the time to identify the specific risks that your business faces. This will help you determine the types and amount of coverage you need.

2. Work with an Experienced Insurance Provider: Look for an insurance provider with experience in the construction industry. They will have a better understanding of your needs and be able to provide you with tailored coverage options.

3. Review Coverage Limits and Exclusions: Carefully review the coverage limits and exclusions of any insurance policy you are considering. Make sure they align with your business requirements and provide adequate protection.

4. Consider Additional Endorsements: Depending on the nature of your work, you may need additional endorsements or specialized coverage. Discuss this with your insurance provider to ensure you have all the necessary protection.

5. Evaluate the Claims Process: Look for an insurance provider that has a streamlined and efficient claims process. This will help ensure that any claims you need to file are handled quickly and effectively.

Frequently asked questions about Builders Mutual Insurance

Q: How long has Builders Mutual Insurance been in business?

A: Builders Mutual Insurance has been providing insurance solutions to contractors for over 35 years. Our long-standing presence in the industry is a testament to our commitment to contractors’ success.

Q: Do you offer coverage for subcontractors?

A: Yes, we offer coverage options for subcontractors, general contractors, and specialty trade contractors. Our policies can be tailored to the specific needs of each type of contractor.

Q: Can I get a quote online?

A: Yes, you can easily request a quote online by visiting our website and filling out the quote request form. Our team will review your information and provide you with a customized quote.

Q: Do you offer risk management resources?

A: Yes, we believe in proactive risk management. We provide a range of resources, including safety training materials, educational webinars, and risk assessment tools, to help contractors minimize risks and create a safer work environment.

Testimonials from satisfied contractors who have used Builders Mutual Insurance

“Builders Mutual Insurance has been our trusted insurance partner for over a decade. Their coverage options are comprehensive, and their rates are competitive. They truly understand the construction industry and have been there for us every step of the way.” – John Doe, General Contractor

“I had a great experience with Builders Mutual Insurance. Their claims support was outstanding, and they handled my claim with utmost professionalism. I highly recommend them to any contractor looking for reliable insurance coverage.” – Jane Smith, Specialty Trade Contractor


When it comes to protecting your contracting business, Builders Mutual Insurance is the best choice. With our specialized coverage options, industry expertise, competitive rates, and dedication to customer satisfaction, we are committed to your success. Contact us today to learn more about our insurance solutions and how we can help protect your business.