Builder's Risk
Project-specific property coverage from groundbreaking to completion. Protects the structure, materials, and temporary works against fire, theft, vandalism, and weather-related losses at every construction phase.
Construction contractors face unique, high-stakes risks on every project — from foundation to final walkthrough. Soma structures specialty insurance programs built around how contractors actually operate: project-specific coverage, wrap-up programs, and hard-to-place risks that standard brokers routinely decline. Get comprehensive, contract-compliant protection fast, with one application and no chasing brokers.
Comprehensive specialty coverage programs built for general contractors, subcontractors, specialty trades, and real estate developers.
Project-specific property coverage from groundbreaking to completion. Protects the structure, materials, and temporary works against fire, theft, vandalism, and weather-related losses at every construction phase.
General liability coverage for bodily injury and property damage arising from construction operations, including ongoing and completed operations exposure for claims that surface long after project handover.
Owner- and contractor-controlled wrap-up programs consolidating coverage across all project participants for large-scale developments, satisfying lender and owner requirements on complex multi-trade projects.
Inland marine coverage for owned and rented machinery, tools, and equipment. Protects against theft, damage, and loss whether on-site, in transit, or temporarily stored at an off-site location.
Covers materials, fixtures, and equipment designated for installation while in transit to the job site or awaiting installation, protecting your project from costly supply chain and delivery losses.
Commercial auto coverage for contractor fleets, work trucks, and specialized vehicles. Soma places hard-to-insure commercial auto risks that standard carriers decline, across every vehicle category.
Construction is one of the most complex verticals in commercial insurance — contract requirements shift by project, subcontractor rosters change, and standard markets frequently decline contractors with specialized trades or prior claims. Soma's construction specialists work with Chubb, Liberty Mutual, and Kinsale to structure programs that flex around your project pipeline, satisfy lender and owner requirements, and deliver competitive quotes through a single fast application. No waiting weeks, no chasing brokers.
See how Soma has helped contractors secure the right coverage fast and keep their projects moving.
Soma replaces the slow, fragmented broker experience with a smarter approach to contractor risk management.
We place contractor risks through Chubb, Liberty Mutual, and Kinsale — carriers with deep appetite for complex construction programs standard brokers can't access.
Get quotes for your full construction program — GL, Builder's Risk, OCIP, and more — through a single application with fast turnaround and no repeated paperwork.
Our construction specialists structure programs that satisfy lender, owner, and subcontract insurance requirements, so your projects aren't delayed by coverage gaps.
Specialty trades, prior claims, new ventures — Soma secures coverage for contractor risks that mainstream brokers routinely decline, with speed and competitive pricing.
Experienced insurance specialists focused on complex, contractor-specific risk programs.
Soma is the fastest and most reliable insurance brokerage specializing in complex, hard-to-insure businesses — and construction is one of our deepest areas of expertise. Our Risk Management Team has processed thousands of contractor businesses, from regional subcontractors to multi-state general contractors running large-scale developments. We work with hundreds of carrier partners and maintain specialty market relationships with Chubb, Liberty Mutual, and Kinsale, allowing us to place construction risks that standard markets decline. Our approach is simple: understand your project pipeline, satisfy every contract requirement, and deliver comprehensive coverage fast — because in construction, delays cost money.
The best contractor insurance combines General Liability, Builder's Risk, Tools & Equipment (inland marine), Completed Operations, and Commercial Auto into a coordinated program. Specialty contractors may also need Installation Floaters or Wrap-Up (OCIP/CCIP) coverage for large projects. The right mix depends on your trade, contract requirements, and project type — a specialty broker like Soma can structure a program covering all of these through a single application with top-rated carriers like Chubb, Liberty Mutual, and Kinsale.
Speak with a Soma construction insurance specialist for a fast, no-obligation consultation.
Placing complex construction risks through one of the world's leading specialty carriers.
Accessing construction-specific markets through a top-rated national carrier.
Hundreds of carrier partners for hard-to-place contractor risks.
Submit one application and let Soma's construction specialists structure a program that satisfies your contract requirements and covers every phase of your project pipeline — fast.