Commercial Construction Insurance
Commercial Insurance Second Opinions for Contractors
Payroll, fleet, equipment, subcontractors, and project mix change faster than most insurance programs. Groundline organizes what’s changed into the Groundline Brief so your program is ready for a second look before renewal.
Simple intake. No obligation. Built for commercial businesses.
01/What changes
Your business changes. Your insurance program should keep up.
Contractor insurance is typically built around a snapshot of the business. As operations shift, a construction insurance review is a way to check whether the program still reflects how the company works today.
Payroll
Headcount, wages, and job classifications as crews grow or shift.
Fleet
The vehicles you run, who drives them, and how they are used.
Equipment
Owned, leased, and rented equipment moving between job sites.
Subcontractors
How much work is subcontracted and what is asked of subs.
Project mix
The types, sizes, and locations of the work you take on.
Contract requirements
Insurance terms, limits, and certificates your contracts call for.
Property / yard
Offices, shops, yards, and stored materials.
Workers’ compensation
Coverage for employees as payroll and class codes change.
General liability
Liability tied to ongoing operations and completed work.
Commercial auto
Coverage for company vehicles and the people who drive them.
Umbrella / excess
How liability limits line up with contracts and operations.
02/Timing
When a second look makes sense
Many contractors take another look ahead of a contractor insurance renewal, but it can make sense whenever the business changes.
- Approaching renewal
- Payroll changes
- Fleet changes
- New equipment
- Changing subcontractor use
- Larger contracts
- New project types
- Geographic expansion
- Acquisitions
- Rapid growth
- Pricing concerns
- Service concerns
- Wanting another perspective
03/Process
How it works
- 01
Tell us about the business.
A few basics, what’s changed, and what you want a second look at.
- 02
Groundline prepares your Groundline Brief.
We organize what you shared and note your renewal timing. Groundline doesn’t collect insurance documents, give insurance advice, or review your coverage.
- 03
If your request moves forward.
Any insurance review is performed by an appropriately licensed professional who identifies themselves and their firm first. What you do next is your decision.
04/Audience
Who it’s for
- General Contractors
- Electrical
- Mechanical
- Roofing
- Concrete
- Excavation
- Paving
- Industrial
- Specialty Trades
Considering a second look at your insurance program?
There is no cost to submit a request through Groundline, and doing so doesn’t obligate you to change anything.
Start a Second Look
Tell us about the business.
A few basics and what’s on your mind — that’s the whole first step. If your request moves forward, Groundline follows up on next steps. Best suited for real estate and construction firms with meaningful commercial insurance programs.
What happens next
- 01Submit the basics — Groundline organizes the request.
- 02Groundline prepares your Groundline Brief and notes your renewal timing.
- 03If your request moves forward, any insurance review is performed by an appropriately licensed professional who identifies themselves and their firm first.
If your request progresses to a licensed insurance conversation, the appropriately licensed insurance professional or brokerage handling it will identify themselves and their firm before quoting, placement, binding, or other licensed insurance services are discussed.