Residential Construction Insurance

Construction sites can be dangerous. Your workers can fall through scaffolding while on a property restoration project, get electrocuted from contact with damaged wires, or get caught between heavy equipment like bulldozers. No matter how careful you and your people are, if you work in construction, accidents are part of your reality. THREE’s residential construction insurance policy automatically includes Workers’ Compensation - to make sure your employees are protected.

Workers’ compensation insurance helps cover medical expenses for injuries and illnesses that happen to your employees on the job, including medical care and lost wages. It’s almost always required if you have employees.

Residential Construction is a risky industry where each project comes with a unique set of challenges. Missing deadlines because of damage to your property and/or equipment can cost you clients, a good reputation, and create long term financial problems.

THREE will help to cover costs of repairing and replacing your damaged tools and property in the event of fires, theft, and weather related damage. THREE’s property coverage not only provides protection against customer property damage if you’re accused of damaging a client’s property while conducting home repairs, but also provides Employee Theft coverage, which protects your business in the event that an employee steals from a client while on the job.

If you fail to give a client proper advice about their home renovation, or incorrectly install appliances while remodeling their bathroom, you will need to defend your business from claims of negligence. Errors & Omissions Insurance, also known as Professional Liability Coverage, can help defend your business against lawsuits and pay the cost of settlements and judgments.