Construction Insurance in Santa Ana, CA 

A construction project carries risk at every stage. Materials on site, work in progress and the finished structure each create distinct exposures. Construction insurance is generally built from multiple policies, addressing property, liability and the people doing the work. At Calle's Insurance, our team helps contractors in Santa Ana, CA find coverage that fits their project.

What Does Construction Insurance Cover?

Coverage depends on the type of work and the stage of the project, but a well-structured construction insurance program typically includes:

• Builders risk coverage—May help cover the structure under construction, along with materials stored on site or in transit, against losses like fire, theft or weather damage
• General liability coverage—May help cover third-party bodily injury and property damage claims that arise from construction operations
• Commercial property coverage—May financially protect tangible assets at a company’s place of business, including buildings, inventory and equipment
• Workers’ compensation coverage—May help cover employee medical costs and lost wages after a work-related injury or illness
• Commercial auto coverage—May help cover vehicles used to haul equipment or transport crews between job sites
• Inland marine coverage—May help cover tools and equipment while they’re in transit or stored off-site
• Professional liability coverage—May offset losses and expenses if a client alleges that you provided incorrect advice or inadequate services

The right combination depends on project size, the trades involved and contractual requirements from project owners or general contractors.

Do You Need Construction Insurance?

If you manage crews, work on client property or carry equipment and materials between locations, you carry exposure that standard business insurance may not address. Subcontractors may face similar exposures as general contractors, and many project contracts require proof of coverage before work can begin. In fact, certain types of insurance, such as workers’ compensation and commercial auto, may be required by both state laws and clients.

Get Covered Before the Project Starts

Contact Calle's Insurance to review your current coverage and identify any gaps before your next job breaks ground.