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Construction Insurance

The Clark Insurance Difference

Safety and Risk Management Services for Construction Companies

At Clark Insurance, our team of risk management and safety professionals knows how challenging it can be to manage losses and potential exposures in the construction business. Consider the Clark Insurance team your Risk Management Partner.

Serving construction companies and contractors in the Northeast for decades, Clark Insurance is an integrated team of insurance, bonding/surety, safety, and risk management professionals committed to your success. We take a comprehensive look at your current exposures and provide the necessary coverage you need to reduce risk. Then, our Safety and Risk Consulting team helps identity and mitigate risk through proactive risk identification, employee training, and company-wide education, providing a high level of loss control for your company.

You have a lot to worry about as an owner/operator of a construction company. Insurance shouldn’t be one of them. At Clark Insurance, “We love insurance, so you don’t have to.” Start a conversation today.

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Construction Resources

Clark is proud to offer our Safety & Risk Consulting services to our valued customers, a service working in tandem with your customized coverage, highest quality customer service, and In-House Claims Management. Delivering businesses customized plans and trainings that will address the health and safety risks in your company, the Safety & Risk Department will work with you to help prevent future insurance claims and to help lower your Experience Modification Rating (EMR) for workers compensation insurance.

Did You Know?

Hiring an outside safety consultant can cost your company upwards of $150 per hour. Clark Insurance’s Safety & Risk Consulting team can provide expert safety and health support to your organization at no additional cost to your insurance coverage.

Toolbox Talks – Practical Safety Tips for the Construction Industry

Our ToolBox Talks are designed to provide construction companies and contractors with practical safety tips to avoid the most common types of risks.

Every dollar spent on safety can yield two or more dollars in return and increase reputation by 82%.

Prevent hazards arounds open holes, avoid OSHA violations, and keep your team safe.

How to secure your equipment properly on a job site to reduce theft or damage.

What is the “competent person” standard and why does it matter to your construction company?

Load More

Tips to empower your team to operate equipment safely on the road.

Tips to keep your confined space meter running and accurate.

Quick rule for trenching and excavation safety.

Hard hats provide great protection, but how do you keep them on your team as the heat rises?

Quick tips for cold weather safety and injury prevention.

Important ways to prevent heat stress and stroke on your construction job.

Coverage Types

Builders Risk

Builders risk insurance is essential insurance coverage for all parties involved in a construction project. Also referred to as a “course of construction insurance,” builders risk insurance protects current construction projects from violent weather, fire and explosions, vandalism, and theft among other perils. A properly structured builders risk policy should cover all parties with an ownership interest in a building under construction purchase builders risk insurance to protect against the risk of loss. Whether it is a ground-up construction project or a renovation/rehabilitation project, Clark has solutions for your project. We’re here to help.

Commercial General Liability

Commercial General Liability policies protect your business against a variety of threats, including bodily injury, property damage, personal injury, products liability, completed operations liability, advertising injury arising out of your business’ operations.. All Commercial General Liability policies are not created equal, so consulting with your insurance agent with deep experience with construction risk is critical to make sure your Commercial General Liability policy is sufficient. Umbrella liability insurance and Employment Practices Liability insurance (EPLI) may be necessary for businesses that require even more protection. We’re here to help.

Professional Liabilitiy

Contractors Professional Liability is a specialized coverage developed to address contractors’ liability for design errors or omissions as well as many other types of professional services, including construction management services. Contractors Professional liability insurance helps safeguard you and your construction or general contracting company in the event of a lawsuit or a claim alleging an error or omission arising out of your professional services, helping you pay for defense expenses, settlements, and related costs. Contractors Professional Liability coverage is often packaged with Contractors Pollution Liability coverage to streamline costs and avoid gaps in coverage. We’re here to help.

Contractors Pollution Liability

Contractors Pollution Liability insurance protects construction companies and general contractors from the risk of environmental contamination while working on a job site. Environmental pollution liabilities include potential claims for property damage, the cost of clean-up, and even personal injury, and pollution liability insurance helps to mitigate those risks. We’re here to help.

Surety Bonds

Surety bonds, guarantee a contractual obligation between two or more parties and are often required by project owners, developers, or lenders as part of a contract for construction and general contracting services. License & Permit Surety bonds are also required by many municipalities and government agencies to obtain various licenses and permits. Clark’s Surety Team works with a variety of top-rated surety companies that offer fair and flexible underwriting terms to meet the needs of your construction company. We’re here to help.

Inland Marine

Inland marine policies provide coverage for the transportation of goods, services, and equipment over land (versus by water – hence the “marine reference”) from one location to another or while in storage by a third party. Inland marine insurance coverage is indispensable for general contractors and construction companies to protect equipment and items in transit to construction sites. As such, inland marine is a specialized commercial property coverage that is critical for construction companies. We’re here to help.

Commercial Auto

Commercial auto insurance provides liability protection and property damage coverage for owned, leased, or hired vehicles used by your business. Typical commercial auto insurance policies provide collision coverage, comprehensive coverage (damage to vehicles from non-collision events), rental reimbursement, liability coverage for personal injuries or damage to other people’s property, uninsured or underinsured motorist coverage, personal injury protection, and medical payments coverage. Contractors and construction companies typically deploy owned and leased vehicles in their operation, so commercial auto insurance is an essential risk management tool. We’re here to help.

Workers' Comp

Workers Compensation Insurance, is essential for your construction or general contracting business and can be a major cost driver for construction companies. Workers Compensation Insurance is required by statute for most businesses in Maine, NH, and MA – areas served by Clark Insurance. Workers compensation insurance provides protection for your employees and your business for on-the-job injuries or work-related illnesses. Coverage includes medical expenses, lost income or wages, rehabilitation costs, death benefits, and disability. Absent this important coverage, construction companies and contractors are vulnerable to uncovered losses for medical costs and lost wages, not to mention fines and penalties for noncompliance. Importantly, the Clark Insurance Safety & Risk Consulting Team works with clients to help them reduce their risks of workers comp claims and to lower their experience modification rating (EMR) over time. We’re here to help.

Cyber Liability

Cyber Insurance helps protect from the risk of loss (financial and reputational) due to cyberattacks, phishing scams, malware, viruses, and other disruptions to your IT infrastructure – physical, mobile, or in the cloud. Cyber risks have escalated in recent years, so general contractors and construction companies are well-advised to make sure to purchase cyber insurance to cover privacy notification costs – including voluntary notification expenses; data breach response expenses – including legal, public relations, and credit monitoring expenses; forensic costs; business interruption – including cloud computing providers; theft of funds – including computer fraud, social engineering, phishing scams, and telephone toll fraud; cyber-extortion – including ransomware attacks; technology errors & omissions liability; multimedia liability; as well as network security and privacy liability. We’re here to help.

Looking for another type of coverage for your construction needs? Contact our team to see how we can help!

What Our Clients Tell Us

"'Are you fully covered for that?' Was the question the Clark agent asked me right after I had explained a situation that a similar business like ours had gone through and nearly ruined them. Rather than just selling me a policy, which would have been the easy thing to do, he did a full insurance review and determined what was truly right for my business in my industry. The agents at Clark really do what is right not what is easy and that really helped me get the right insurance, peace of mind and understanding I needed as a business owner."

David Ciullo

CEO of Career Management Associates

“Right in the middle of tax season, our offices were flooded by a broken sprinkler on an upper floor. Clark Insurance stuck with us through the entire claim process. They talked with the carrier and made the process go smoothly in getting us back to business. In fact, we asked them to join us in presenting the importance of disaster planning at a New Hampshire Society of Certified Public Accountants meeting!”

Marie McKay

Bigelow & Company

“Clark Insurance is No. 1 in customer service! I call. I can always talk with someone, and I get answers right away. I know they’ve saved us substantially in premiums. They make it easy for us to manage our insurance. Knowledgeable, hardworking, responsive – it’s that simple. It’s basic and I think that’s what people are looking for. For DiMillo’s Restaurant, Clark has been a great choice.”

Steve DiMillo

“Clark helps us determine where we’re exposed, what the costs are, what’s possible, what’s not possible – that’s made a big difference. Clark advocates for us with insurers who want to know the types of work we do, how we operate, and the health of our company. In this aspect of the business alone Clark has helped us become a stronger company, more quickly, and more able to compete for more prestigious projects.”

John Ryan

“We often rely on Clark Insurance to help us better understand liabilities in contracts, to suggest ways to better allocate those risks, and to help us communicate concerns with client prospects. Those discussions with prospects help foster a better understanding of each party’s needs, and help build long-term relationships based on trust and mutual respect.”

Erik Wiberg

“As a small business owner I so appreciated the service I received from Clark Insurance. They were my agent for over 10 years, and when I sold the business the new owner kept them on and is equally happy. The rates were always competitive, my agent was super-responsive and helpful, and the one time my company filed a claim the process was smooth and easy. I have worked with a lot of insurance agents over the years, and Clark stands out as one of the real gems. If I could leave 6 stars I would!”

Andy Charles

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