Insurance for the Construction Industry in Kansas City, MO

The working core is general liability plus workers compensation, with commercial auto joining once trucks and trailers are in play. Add inland marine when tools and equipment move between sites, and an umbrella when contracts ask for limits your base policies do not carry. Self-performing trades and heavy subcontractor use each push the review in different directions.

Yes. The general contractor’s policy is not written to stand in for each trade’s separate obligations, and most contracts require subs to show their own certificates before mobilizing. Your vehicles, payroll, tools, and completed work all need coverage under your own name.

Premiums follow payroll and class codes, and construction class codes vary widely by trade. If your crew mix shifts during the term, from demolition to finish work for example, flag it early so the audit and any claims line up with how labor was actually deployed.

Because tools, equipment, and materials rarely stay put. Property in a trailer, at a supplier, or staged overnight on site falls outside a fixed-location property policy, and theft from jobsites is a routine loss. Inland marine coverage is built for exactly that movement.

It addresses owned and hired vehicles, but trailer use, towing, driver selection, and hauled equipment each need specific attention in the policy. A construction fleet backing into congested sites all week is a different risk than a sedan used for estimates.

Size the limit against your contracts, not habit. Look at the largest job you expect to sign, the injury severity possible on your sites, and the auto exposure of your fleet, then compare requested limits before award rather than after.

Sometimes, when the program is structured around the real mix. Occupied commercial interiors, service calls, remodels, and ground-up projects raise different underwriting questions and certificate demands, so spell each one out instead of describing the blend loosely.

Current policies, loss runs, payroll by trade, a vehicle list, equipment values, subcontractor agreements, and a sample contract. Those documents show what you self-perform, how crews travel, and which limits your jobs require.