General Liability
Protects your small construction business against third-party bodily injury and property damage claims arising from your operations, completed work, or job site activity.
Running a small construction business means managing real risks on every job site — from property damage and worker injuries to equipment loss and project delays. Soma's construction insurance specialists build coverage programs tailored to contractors of every trade, placing policies others won't touch, fast and at the right price.
Comprehensive coverage for every phase of your construction project — from ground-breaking to final walkthrough.
Protects your small construction business against third-party bodily injury and property damage claims arising from your operations, completed work, or job site activity.
Covers structures under construction from foundation to completion, protecting against fire, theft, vandalism, and weather damage — satisfying lender and contract requirements.
Inland marine coverage for owned and rented tools and machinery on-site and in transit, ensuring your equipment investment is protected against loss, theft, and damage.
Commercial auto coverage for trucks, vans, and work vehicles used in your construction operations, including hard-to-insure fleets and specialty-use vehicles.
Shields your business from liability claims arising from defects or damage discovered long after a project is handed over, protecting your reputation and finances.
Soma's expert Risk Management Team analyzes your construction business, identifies coverage gaps, and structures a right-priced program through a seamless, single-application process.
Small construction businesses face some of the most complex insurance requirements of any industry — juggling contract compliance, lender mandates, and unpredictable job-site exposures. Soma partners with top-rated specialty carriers including Chubb, Liberty Mutual, and Kinsale to build programs that flex around your project pipeline. From a sole-trade contractor to a growing general contractor managing multiple subcontractors, we place the coverage others won't — quickly, accurately, and at the right price.
See how small construction businesses found the right coverage — fast, affordable, and without the runaround.
Soma is purpose-built for businesses that standard brokers struggle to place — including small construction contractors with complex or hard-to-insure risk profiles.
No waiting weeks for quotes — Soma binds construction insurance fast so your project timelines are never delayed by paperwork.
Access to hundreds of carrier partners including Chubb, Liberty Mutual, and Kinsale, enabling coverage placement that standard brokers routinely decline.
A single streamlined application generates coverage quotes across every construction insurance category your small business needs.
Soma's Risk Management specialists understand contractor exposures across every trade and structure right-priced programs tailored to your specific operations.
A specialist insurance brokerage built for businesses that demand more.
Soma was built to solve a problem that thousands of small construction businesses know too well: standard brokers move too slowly, lack specialty market access, and often can't place the complex coverage contractors actually need. Soma replaces that experience entirely. By combining an expert Risk Management Team with access to hundreds of top-rated carriers — including Chubb, Liberty Mutual, Kinsale, Markel, and Nationwide — Soma delivers fast, complete, and affordable insurance programs through a single application. Our specialists have processed thousands of businesses across construction and beyond, and we take the time to understand your trade before acting fast to get you covered at the right price. No chasing brokers. No waiting weeks. Just the right coverage, built for contractors.
Costs vary based on your trade type, annual revenue, number of employees, and project scope. A general liability policy for a small contractor typically ranges from $500 to $3,000+ per year. Builder's risk and tools coverage add to that total. Soma analyzes your specific operations to find right-priced coverage — often more affordable than going direct to a single carrier.
Talk to a Soma construction insurance specialist for a free, no-obligation consultation.
Authorized to place coverage through Chubb, a top-rated global insurer
Access to Liberty Mutual's specialty construction programs for contractors
Committed to transparency, trust, and ethical business practices
Complete one simple application and Soma's Risk Management Team will analyze your construction business, match you with the right carriers, and deliver a competitive quote — fast.