Insurance for Construction Companies, Trade Contractors and Facility Service Providers

Knight-Dik Insurance knows construction, contracting and facility operations. We understand how accidents, project delays, quality control, theft and vandalism, and contractual guarantees represent just a handful of the potential risks that keep contractors and project managers up at night.

Whether you’re a construction company, a trade contractor or a manager of a property or building, we will assist you in selecting the right coverage from the right insurance carrier. With access to all the major insurance carriers, plus an array of specialty markets for tougher risks, our construction specialists will help you achieve the greatest value for your insurance and risk management investment.

We’ve built our company — in business now for over a century — by getting to know what matters to our clients and what doesn’t. We work closely with you to identify the most appropriate insurance and risk management choices. We take the time to understand your unique situation, make suitable recommendations, reduce costs wherever possible, and provide outstanding, personalized service.

Interested in learning more about insurance for your business? At Knight-Dik Insurance, we’ll work with you to design coverage that protects your business from a variety of risks, unique to you. For a free insurance premium analysis, simply fill out the form or call 800-286-6353.

TRADE CONTRACTORS
Plumbing, HVAC, electrical, welding, concrete, excavating, carpentry, painting, drywall, roofing, trees, masonry, cleaning, appliance technician, machinery install

GENERAL CONTRACTORS
Commercial construction or renovations; residential home building or remodeling, and, institutional buildings (government, educational, cultural)

HEAVY CONTRACTORS
Roads, small bridges, communications lines and structures, irrigation or drainage construction, and sewer, water or steam mains

Request A Free Premium Analysis

Relevant Insurance and Risk Management Solutions

Business Owner Policy for Manufacturers

This policy covers basic landscaping risks, including slip-and-fall accidents, damaged customer property and libel or slander lawsuits. It’s an easy way to cover multiple risks without having to settle for a one-size-fits-all policy that wastes money on coverage that you don’t need.

Learn About KD Business Owner Policies

Workers’ Compensation Insurance

This policy can help pay for an injured employee’s immediate medical costs (e.g., emergency room expenses) and ongoing medical costs (e.g., physical rehabilitation), as well as partial lost wages while the employee is unable to work.

Learn About KD Workers’ Comp Results Program

General Liability Insurance

This policy covers basic landscaping risks, including slip-and-fall accidents, damaged customer property and libel or slander lawsuits.

Learn About KD General Liability Insurance

Commercial Property Insurance

This professional liability insurance policy for contractors – also called errors and omissions insurance – helps cover legal expenses when a construction error leads to a lawsuit.

Learn About KD Commercial Property Insurance

Commercial Auto Insurance

This policy for landscaping businesses can pay for property damage and medical bills in an accident. It can also cover vehicle theft, vandalism or weather damage.

Learn About KD Commercial Auto Insurance

Surety Bonds

Often used for government contracts, a surety bond guarantees that a large investment in a project is not lost – whether or not the work gets done.

Learn About KD Surety Bonds

Contractor’s Tools and Equipment Insurance

This policy helps pay for repair or replacement of a electrical professional’s tools (up to $500 in value) and equipment if they are lost, stolen, or damaged.

Commercial Umbrella Liability

These policies are designed to supplement your existing policies and provide an additional layer of protection for your business.

Learn About KD Commercial Umbrella Liability

Builder’s Risk Insurance

Also known as course of construction (COC), builder’s risk insurance can pay for damage done to a structure still under construction or renovation, including worksite theft, vandalism and fires. Lenders will require it before issuing construction financing.

Success Stories

Large Commercial Electrician in Boston Modifies Work for Injured Employee, Avoids Workers’ Comp Claim

Large Commercial Electrician in Boston Modifies Work for Injured Employee, Avoids Workers’ Comp Claim

A large commercial electrician in Boston had an employee who was injured early in the day on Monday and they weren’t sure if this injury was real or not. The employee provided a doctor’s note stating he needed to be out of work for 6-8 weeks, but it did not provide a reason.

Boston-Area Landscaping Contractor Able to Close Claims, Reduce Reserves and Lower Experience MOD

Boston-Area Landscaping Contractor Able to Close Claims, Reduce Reserves and Lower Experience MOD

A leading landscaping contractor located in the Boston-area with 46 employees and annual revenues of $5.6 million was facing $2.2 million in open reserves across all its lines, although they were not directly responsible for all of them.

Cape Cod Steel Erection Company Implements Comprehensive Hiring Package and Eliminates Fake Claims

Cape Cod Steel Erection Company Implements Comprehensive Hiring Package and Eliminates Fake Claims

A non-union steel erection company based in Cape Cod was experiencing harassment from union employees.. The local union was sending out spies to observe company work sites and report fabricated OSHA violations.

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