Construction

Construction2025-10-22T11:14:45-04:00
Construction

Your Foundation for a Safer Job Site

Semper Insurance supports several businesses in the Construction industry.

Construction professionals know that every project comes with risk — from job site injuries and equipment theft to contract disputes and weather delays. At Semper Insurance, we build policies designed for builders. Whether you’re a general contractor, subcontractor, or developer, we’ll help protect your people, your tools, and your projects from the ground up.
Contact a representative at Semper Insurance to discuss the best insurance options for your Construction business.

Employment Practices Liability

Provides coverage for claims arising from employment-related issues such as wrongful termination, discrimination, harassment, and retaliation. It protects your business against legal costs and settlements, ensuring financial security in the face of allegations made by employees regarding their rights and treatment in the workplace.

Worker’s Compensations

If your business has employees, workers’ compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Business Owners Policy

Combines general liability and property insurance into one package tailored for small to medium-sized businesses. It covers property damage, bodily injury, and business interruption, offering protection against claims arising from accidents on your premises and damage to your business property.

Liquor Liability

Offers protection for businesses that manufacture, sell, or serve alcohol. It covers claims related to damages or injuries caused by an intoxicated person who was served by the business, including legal fees, medical costs, and settlements, ensuring financial protection against alcohol-related incidents.

Hired & Non-Owned Auto

Protects businesses against liability for accidents involving vehicles they rent (hired) or do not own (non-owned) but use for business purposes. This coverage extends to vehicles used by employees for company business, providing financial protection against claims for bodily injury and property damage.

Commercial Umbrella

Provides additional liability coverage beyond the limits of your existing general liability, commercial auto, and other liability policies. It offers extra protection against large claims or lawsuits, covering costs that exceed the underlying policy limits, ensuring broader financial security for your business.

Types of Construction we serve

Common questions about Construction

Answering the most frequently asked questions about Construction.

How can I get construction business insurance?2024-07-09T13:23:32-04:00

Complete a free online application, compare quotes, and choose a policy. Our licensed agents can help you find the right insurance products for your business needs.

What are the benefits of maintaining construction business insurance?2024-07-09T13:22:05-04:00

Continuous coverage protects against fire, theft, injuries, and lawsuits, and may be required to bid on projects or obtain licenses. It also keeps your premiums lower over time.

Does my construction business need commercial auto insurance?2024-07-09T13:22:18-04:00

Yes, if you use vehicles for business purposes, commercial auto insurance is necessary to cover accidents, theft, and damage.

Who is responsible for insuring a building site?2024-07-09T13:22:31-04:00

It depends on the contract terms. The contractor, building owner, or property developer could be responsible. Ensure you’re listed as an additional insured if you’re not the one buying the insurance.

Do I need a license, permit, or bond for my contracting business?2024-07-09T13:22:45-04:00

Yes, depending on your location and the type of work you do, you may need specific licenses and permits. A surety bond is also often required as part of the licensing process.

Reviews from Semper Insurance clients

110-35 72nd Rd, Forest Hills

5.0 22 reviews

  • Avatar Justin Wheeler ★★★★★ in the last week
    We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
  • Avatar Grigoriy Priev ★★★★★ a month ago
    Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
  • Avatar lina torres ★★★★★ a month ago
    Adam is an excellent insurance broker. I called him frantic looking for a last minute commercial insurance. I gave him the details of the specific coverage I needed. He was able to communicate with me throughout the day just giving me updates … More with different insurance options and when I told him I found an option he even went the extra mile to price match the other company without compromising the coverage. I had the true experience of professional genuine custom care and would highly recommend to anyone.

We Are Semper Insurance

Semper Insurance is more than an agency — we’re a dedicated partner in your success. With integrity, expertise, and a genuine commitment to service, we deliver tailored coverage that supports families, businesses, and communities for the long term.

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