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Demolition Contractor Insurance
Demolition is one of the hardest trades to insure, and many insurance companies won't write it at all. We go to the ones that do, look for exclusions on collapse, pollution and neighboring property, and match your limits to what your contracts require. Call or text with the job details and talk it through with someone who knows contractor coverage.
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Demolition work
Coverage Built for Demolition Work
Structural, interior and selective demolition each carry different risks. We place your work with insurance companies that write it.
- General liability written for demolition
- Contractors pollution liability for dust, debris and hazardous materials
- Contractors equipment for excavators, skid steers and attachments
- Commercial auto for dump trucks and roll-offs
- Workers comp for your crews
- Umbrella limits and bonds your contracts require
Good to Know
Before You Buy
Demolition is one of the classes standard policies most often limit. We check each one with you before you sign.
- Policy limits. Many standard contractor policies exclude demolition or limit it to light interior work.
- Asbestos and lead. Asbestos and lead are usually excluded from general liability, so work that disturbs them needs its own pollution coverage.
- Neighboring buildings. Damage to neighboring buildings is a common demolition claim, so contracts often ask for higher limits.
- Debris hauling. Trucks hauling debris need commercial auto, often with higher limits than a standard policy.
- Equipment. Excavators, breakers and attachments need contractors equipment coverage. Liability doesn't cover your own machines.
- Additional insured. Owners and GCs usually require additional insured status and waiver of subrogation on the policy itself.
Pair It With
Gaps Demolition Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Pollution Is Usually Excluded
Many liability policies exclude pollution, so a contractors pollution policy may be needed for the work you do.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Your Equipment Isn't Covered by Liability
General liability covers damage to others, not your own machines. Contractors equipment coverage protects those.
Bonds for Public and Larger Jobs
Public and larger private projects commonly require performance and payment bonds, and we help with those too.
Questions
What Demolition Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Does my general liability cover demolition?
Not always. Many policies exclude it or limit it to interior work. We read your policy and place the work with an insurance company that covers it.
What about asbestos or lead?
Most liability policies exclude them. If your work disturbs hazardous materials, you likely need contractors pollution liability, and some jobs require a licensed abatement contractor.
Do I need higher limits for demolition?
Many contracts ask for them, since damage to neighboring property can be expensive. An umbrella is often the most efficient way to meet the requirement.
Bidding a Demolition Job?
Send us the contract requirements and we'll match them.