Builder's Risk
Project-specific coverage from groundbreaking to completion, protecting structures, materials, and equipment against fire, theft, weather damage, and other covered losses throughout the build cycle.
General contractors face unique job-site exposures — from structural defects to subcontractor liability and equipment loss. Soma's Risk Management Team compares quotes across top-rated specialty carriers, including Chubb, Liberty Mutual, and Kinsale, to secure the right construction insurance at the right price. One application. Fast turnaround. Coverage built around how your projects actually run.
Comprehensive insurance solutions built for general contractors, covering every phase of your construction projects.
Project-specific coverage from groundbreaking to completion, protecting structures, materials, and equipment against fire, theft, weather damage, and other covered losses throughout the build cycle.
Protects your contracting business against third-party bodily injury and property damage claims arising from construction operations, on-site incidents, and contractor activities at client locations.
Covers liability claims arising from defects or damage discovered long after project handover, protecting general contractors from costly post-completion lawsuits tied to workmanship issues.
Inland marine coverage for owned and rented tools, machinery, and contractor equipment — whether stored on-site, in transit, or at a staging yard — guarding against theft, loss, and damage.
Owner-Controlled (OCIP) and Contractor-Controlled (CCIP) wrap-up programs consolidating coverage across all trades and subcontractors on large-scale, multi-phase development projects.
Commercial auto coverage for contractor vehicles, work trucks, and equipment haulers — including hired and non-owned auto for employees using personal vehicles on job-site business.
Complete a single streamlined application covering your contracting operations, project types, payroll, subcontractor use, and equipment values. No chasing multiple brokers or filling out redundant forms for each policy line.
See how general contractors across industries secured the right coverage fast through Soma.
Soma replaces slow, transactional brokers with a smarter, faster approach to contractor insurance — placing complex risks others won't touch.
Direct access to Chubb, Liberty Mutual, and Kinsale — carriers with real appetite for contractor and construction risks.
A single application generates quotes across multiple carriers, eliminating redundant paperwork for busy contractors.
Soma places contractor coverage that standard brokers decline — new ventures, prior claims, and high-value wrap-up programs.
No waiting weeks for quotes. Soma's Risk Management Team acts fast so your projects stay on schedule.
Specialists who understand construction insurance inside and out.
Soma is built on a single conviction: general contractors and construction businesses deserve faster, smarter insurance without the friction of traditional brokerage. Our Risk Management Team has processed thousands of businesses across the construction industry — from owner-operators and specialty trades to large general contractors managing multi-trade developments. We take time to understand your project pipeline, contract obligations, and subcontractor exposures before going to market, so the coverage we place is genuinely built around how you work. Soma's direct relationships with top-rated specialty carriers — including Chubb, Liberty Mutual, and Kinsale — allow us to move quickly and place risks that standard markets routinely decline, delivering complete, affordable contractor insurance through one seamless experience.
Most general contractors need General Liability, Builder's Risk, Completed Operations, Tools & Equipment (Inland Marine), Workers' Compensation, and Commercial Auto at minimum. Larger projects often require an Installation Floater, Professional Liability, and Wrap-Up Insurance (OCIP/CCIP). Contract requirements from owners and lenders typically dictate minimum limits and policy structure.
Talk to a Soma construction insurance specialist for answers and a free quote.
Authorized to place coverage through Chubb, a globally recognized carrier.
Appointed partner with Liberty Mutual for construction and contractor programs.
Recognized for trustworthy business practices and customer commitment.
Complete the form below and a Soma construction insurance specialist will reach out to compare quotes from top-rated carriers and build a program tailored to your contracting business.