Construction insurance

Construction insurance FAQs

• I have a small crew and am concerned about insurance costs. How much does construction insurance cost? How much coverage is necessary?

  No matter the size, businesses involved in construction work often specialize in trades and industries with high risk for bodily injury, property damage, workers’ compensation, and loss of income. The bottom line is you face risks—and we’re here to help reduce them. We work with you to help you reduce the likelihood that your business experiences losses from theft of material and equipment during construction, unsafe activity at jobsites, or other potential hazards. We understand avoiding loss is a priority, and making any losses less troublesome after a claim will reduce their impact on your business. Our shared goal is to reduce your losses and manage the aftermath.

  Ultimately, your risks, number of employees, use of work vehicles, and insurance claims history are all factors that may influence your rate. The easiest way to determine your cost is to get a customized quote. Just call us or contact an agent for a quote.

• How do I keep my team safe on dangerous construction job sites?

  Safety is our No. 1 priority at Sentry. We’ll not only assign an experienced safety consultant to help you reduce the potential risk factors your construction business faces, they’ll also individualize a safety improvement plan for you. Some of the services we can offer you include:

  • Site safety inspections
  • Gap assessments
  • Fleet safety management
  • Safety program review and development
  • Guidance for substance abuse prevention and
  • program implementation
  • Safety training, including:
    • Annual safety meeting participation
    • OSHA regulatory updates
    • Toolbox talks
    • DOT updates
    • Online safety training
  • Loss trend analysis
  • Large loss investigation
  • OSHA citation consultation
  • Experience modifier rate (EMR) explanation and improvement plans
  • Bid prequalification assistance
  • Industrial hygiene sampling

• There are so many regulations in the construction industry. How can I keep them straight?

  We understand agency regulations are constantly changing and it can seem impossible to stay updated. We’re here to help. We keep up with OSHA, DOT, and insurance regulations. Since our Safety Services consultants specialize in the unique risks of the construction industry, they monitor regulatory changes and can share them with you. We are active in trade associations and monitor changes in state and federal agencies to maintain our expertise.