The five lines every general contractor actually needs
GL, builders risk, workers' comp, commercial auto and inland marine. What each one does, what each one doesn't, and where buyers most often get caught out.
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For construction & contractors
Insurance for contractors & trades.
GCs, subs and high-hazard trades — including the ones standard carriers walked away from.
The real risk
The questions every
owner should ask.
A GC just demanded a $2M additional insured endorsement — can we get it?
Yes. We bind GL with the additional insured language your general contractor requires and issue a certificate that matches the exact wording — usually same day, so a project start doesn't slip.
What if a sub's COI lapses mid-project?
Most claims against a GC start with a missing or expired subcontractor certificate. We help you set up COI tracking and tighten your sub-agreement language so the contractual indemnity actually holds up.
We're a roofer / demolition / high-hazard trade. Standard carriers keep declining us. What now?
That's where we go to the E&S market. Roofing, demolition, framing, scaffold and other high-hazard trades have been pushed out of admitted markets — we work with the surplus-lines markets that still write the class, with the right hazard ratings and exclusions decoded for you.
An office wire transfer was redirected to a fake vendor — does anything cover it?
A cyber policy with social-engineering and funds-transfer fraud coverage does. Wire fraud on construction draws and vendor payments is one of the fastest-growing losses contractors face — and a standard crime policy often sub-limits or excludes it. We place it explicitly.
Inside the cover
What a good policy
actually covers.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
General liability + additional insured
Bodily injury and property damage on the jobsite, with additional insured and waiver of subrogation endorsements written to match GC and owner contracts.
Learn about this coverBuilders risk & inland marine
Cover for projects under construction, plus contractor's equipment, tools and materials in transit or stored off-site.
Learn about this coverWorkers' compensation
Statutory comp for crews — with class-code audits to stop you overpaying on misclassified labour.
Learn about this coverCyber, crime & social-engineering fraud
Wire-fraud, vendor-impersonation and ransomware cover sized for construction operations — the fastest-growing loss type contractors actually face, and the one most generalist programmes underwrite poorly.
Learn about this cover Why Nomos
A broker that works
the whole market.
Contract language, decoded
We read the insurance exhibit before you sign. If the requirements are unusual or unbuyable, you'll know before it costs you a project.
Same-day certificates
Standard ACORD 25 and 27 certificates, AI-on-record endorsements, and a portal your PMs can pull from without calling us.
E&S access for high-hazard trades
Roofing, demolition, framing and scaffold work has been pushed out of admitted markets. We work with the surplus-lines markets that still write the class — and decode the hazard ratings and exclusions before you bind.
How it works
From first call
to bound cover.
01
Tell us about your business
A few details about what you do, your size and any contract or licensing requirements you're working against.
02
We shop the market
We compare carriers that price your kind of business well, and bring back real options side by side.
03
Bind with confidence
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
Best fit
Who this is
built for.
General contractors and construction managers
Specialty trades — roofing, framing, electrical, HVAC, plumbing, concrete
Residential and light commercial builders
Site developers, excavation and earthwork contractors
Subcontractors clearing larger GC insurance requirements
From field notes
What we're writing
on this.
Umbrella stacking: what it costs to go from $5M to $25M
Lender and customer contracts increasingly require $10M, $25M, even $50M of total liability. Here's what the real-world pricing looks like in 2026.
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Get a quote
Cover that matches
your next contract.
Tell us about your business and we'll shop the market across the carriers that actually price your trade well — and bind to the exact language your GC, owner or AHJ requires.
GL with AI endorsements to match your contract
Same-day certificates for project starts
E&S markets for high-hazard trades
Cyber and wire-fraud cover built for construction