Construction

Your construction business faces unique and complex exposures that only exist in your industry — risks that require specialized insurance needs. Not every insurance agency can meet those needs and most don’t have the expertise or experience to identify even the small risks that can quickly destroy years of effort on your part. Whether you are a one man artisan or the largest contractor in the state, Towne Insurance has the expertise to help you protect your business.

Towne Insurance takes time to advance our understanding of the insurance needs within the construction industry and participate in trade associations and construction risk management education. 

Our commitment to the construction industry consistently earns special recognition from dedicated insurance company partners. Industry leader, Builders Mutual, has named Towne Insurance "Best of the Best" in its' elite Builders Reserve group of agencies based on a demonstrated partnership with the Company.  

We offer contractors, subcontractors, owners, and real estate developers must-have custom-built coverages for every need, including:

  • General Liability
  • Design Professional Liability
  • Workers' Compensation with USL&H and out of state coverage available
  • Builder's Risk
  • Contractor’s Equipment
  • Installation Floater
  • Pollution Liability
  • Riggers Liability
  • Stable Bonding programs
  • Alternative risk transfer/retention options

An Experienced Construction Team Saves You Time 

We offer total protection and one-stop shopping by offering other Commercial Lines expertise and additional specialty coverages: 

  • Commercial Auto
  • Hired & Non-Owned Auto Liability
  • Property
  • Business Interruption
  • Cyber Liability & Data Breach 
  • Employment Practices Liability
  • Management Liability
  • Umbrella & Excess Liability
  • Employee Benefits