Construction & Contractor Insurance

The Real Risks – And Why They’re Not What You Think

In the world of construction and general contracting, it’s easy to point to the obvious dangers—injuries, equipment loss, project delays. But seasoned contractors and experienced construction insurance companies know the real threats lie elsewhere.

How about that unnoticed clause in a contract that could leave you holding the bag for someone else’s mistake? Or the risk of getting tied up in a lawsuit because a subcontractor didn’t cover their end?

INSURISK Solutions, a specialty division of Palmetto State Insurance, understands these deeper issues of contractor insurance, and we’re here to offer more than just the standard safety net.

Redefining Protection: What Most Construction Insurance Companies Overlook

The Hidden Threats That Keep Contractors Up at Night

You’re already managing the day-to-day challenges—weather delays, tight deadlines, managing crews. But what about the risks that aren’t so obvious?

• Contractual Landmines: Ever been caught in a contract dispute because you didn’t fully understand the insurance requirements? It happens more often than you think, and it can cost you big if you’re not covered.
• Subcontractor Slip-Ups: You’re responsible for the work done under your watch, but what if a subcontractor makes a costly mistake? General liability might not cut it here.
• Environmental Oversights: Building sites aren’t just subject to physical damage. Ever thought about what would happen if your site inadvertently caused environmental damage? The cleanup costs alone could sink your project.

These are the risks that fly under the radar. Until they don’t.

That’s where INSURISK Solutions steps in and leaves no stone unturned.

Cookie-Cutter Coverage Isn’t Enough

Beyond the Basics – Real Coverage for Real Contractors

Sure, we offer the staples—General Liability, Workers’ Compensation, and Commercial Auto Insurance—but so does everyone else. Here’s just a few of the insurance products that make INSURISK Solutions different:

• Subcontractor Liability Insurance: Protects you when your subs don’t. If they mess up, we’ve got your back, ensuring their mistakes don’t come out of your pocket.
• Contractual Liability Coverage: Negotiating contracts? We help you spot and cover those sneaky clauses that could leave you vulnerable.
• Environmental Impact Insurance: For contractors who work in areas where the environment is a concern, this coverage protects against the financial fallout from unexpected environmental damage.
• Inland Marine Insurance: Traditional property insurance won’t cover your tools, materials, or equipment while traveling between jobs. Inland marine insurance ensures that these assets are protected from theft, loss, or damage while on the move.
• Builder’s Risk Insurance: This coverage keeps you off the hook for unexpected damages while it’s under construction—from start to finish. It includes risks like fire, theft, vandalism, and certain weather-related events.
• Cyber Liability Insurance: As construction moves into the digital age, your business is more connected than ever. Protect your data, client information, and financial transactions from cyber threats.

Unique Policies, Real Protection

We don’t just “customize” in name only. At INSURISK Solutions, we start by understanding your business—how you operate, what projects you take on, and where your real vulnerabilities lie. Then, we build an insurance package that’s as unique as your business. No off-the-shelf solutions. Just real protection.

Claims Assistance – We’re Here When It Matters

Unlike the faceless bureaucracies you might be used to, our claims team knows that when you call, it’s urgent. That’s why we offer:

• 24/7 Support: Because emergencies don’t wait for business hours.
• Fast-Track Claims: We understand downtime costs money, so we process your claims within 24 hours.
• Dedicated Adjusters: Work with a single point of contact who knows your name, not just your policy number.

Long-Term Support: We Grow with Your Business

Consultation That’s About More Than Sales

As your business evolves, so do your insurance needs. Whether you’re expanding into new types of projects, scaling up your operations, or investing in new technology, we’re here to make sure your coverage grows with you.

We believe in ongoing consultation. Not to sell you policies you don’t need, but to keep your protection relevant and cost-effective.

The Proof Is in Our Partnerships

Why INSURISK Solutions?
Because You’re Done with Generic “Coverage”

Expertise Where It Counts

Our team specializes in contractor insurance. Not just as a sideline, but as a core focus. We understand the construction industry’s unique challenges, and we’re equipped to offer solutions that others simply can’t.

Customer-Centric Service

At the end of the day, it’s about you. We believe in building strong relationships, offering personalized service, and being there when it counts. From your first consultation to handling a claim, we’re committed to providing you with the support and expertise you need to protect your business and grow with confidence.

Ready to Work with a Real Insurance Partner?

Stop settling for vanilla insurance. INSURISK Solutions offers the in-depth expertise, tailored coverage, and proactive support that sets us apart from the rest. Contact us today to schedule a FREE consultation, where our experts will review your current policies, identify gaps in your coverage, and shop for solutions.