Construction

Contractors know that winning bids is essential to being a successful builder. But, just as important is protecting yourself from unnecessary risk.

A job site accident could lead to a major financial loss for an uninsured contractor.

MCA Association Healthcare Plan

We’ve partnered with the Merit Construction Alliance (MCA) to help offer local contractors with access to quality and competitive health insurance. The MCA is comprised of several esteemed Oregon associations, including:

  • The Associated Builders and Contractors Pacific Northwest Chapter
  • The Independent Electrical Contractors of Oregon
  • The Oregon Home Builders Association
  • The Oregon Plumbing Heating Cooling Contractors

Through the Association Healthcare Plan* members have exclusive access to Fortune 500-style employee benefits.

  • Competitive premiums – often well below the open market
  • Statewide access to hospitals & providers
  • Large group purchasing pool
  • Stable large group rates
  • Online enrollment & billing options
  • Multiple plan design options, including medical, vision, dental, life, disability and alternative care

*Oregon state requires at least one other employee aside from the proprietor to qualify for an AHC plan, and additionally employers must cover at least 50% of the employee only premium cost.

Insurance keeps working, even after the job is done

Even when the job is finished, there is plenty more work to be done. You may have connected the final fixtures, flipped the switch, and handed over the keys, but the potential liability from your work goes on.

Our insurance keeps protecting you from any accidents or faults that may allegedly result from work you’ve overseen or performed. In the trades, you need a solid contractor insurance policy that keeps working to protect you long after you have moved to the next job site.

What does contractors insurance cover?

The list of coverage areas that need to be addressed in your contractors insurance include:

  • Property in transit
  • Workers Compensation 
  • Trucks and other commercial vehicles 
  • Errors and omissions

If your contractors insurance misses any of this protection, your job and your company could be at serious risk.

Do you need construction insurance?

Any person or business working in construction trades: building construction, heavy construction, or home improvement. We offer coverage for every trade, including:

  • Contractors Insurance
  • Carpenter Insurance
  • Plumber Insurance
  • Handyman Insurance
  • Electrician Insurance
  • Masonry Insurance
  • Security Company Insurance
  • Home Builder Insurance
  • Developer Insurance
  • Renovation Insurance
  • Welding Insurance
  • Artisan Insurance

What about the cost?

Understandably, price is always a concern for contractors. But, with a custom contractors insurance policy, you control what coverage you want to pay for, making it surprisingly affordable.

Why we're different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

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