Spot for Construction Companies
We line up your liability, workers’ comp and bonds before you bid, then get certificates out when a general contractor asks.
Your Spot team lists each trade, jobsite, project phase, crew duty, work state and subcontractor arrangement, so classifications and completed operations match the work you do.
Send the subcontract or owner agreement. Spot compares its limits and endorsement wording with your policies and flags what needs to change before you sign.
General liability insurance
Alder Builders · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
When a general contractor or owner wants a certificate naming them before you mobilize, post their requirements in your shared Slack channel. Your Spot team checks the endorsement wording against your policy and gets the certificate ready.
MorganAlder Builders
Certificate of insurance
Alder Builders
Ready for your review
We work with brokers and sureties to take your submission to market, then line up liability, workers’ compensation and bond terms so you can see what each one actually provides.
General liability insurance
Coverage limits · Policy terms
Alder Builders
Share what you do, where you work, the policies you have and any contracts that ask for insurance.
Spot turns it into an application that describes your business the way insurers need to see it.
Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.
We put the quotes side by side on limits, exclusions and terms as well as price.
You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.
In California, an active license needs a contractor license bond and proof of workers’ compensation or a valid exemption.
The general contractor’s agreement sets limits and endorsement wording you must show before you start.
You and the owner need to agree who insures the structure, materials and work in progress at each phase.
Work at height, excavation or certain license classifications change what you must describe and carry.
The policies companies like yours are usually asked for, and when each one comes up.
You begin work at a customer site, bring visitors to a worksite, or sign a contract that asks for liability limits or endorsements.
You hire employees, change their job duties or work states, or activate or renew a California contractor license.
A California contractor license is being activated or a project owner or solicitation asks for a bid, performance, payment, or other bond.
You or a project partner is responsible for property during construction or renovation and needs to identify who insures each project interest and phase.
You move tools, contractor equipment, or materials between jobsites or store them away from your main premises.
You lease a shop or storage space, own a building, or keep tools, materials, or inventory at a scheduled location.
Get quotes from 45+ construction insurance providers with Spot.
Confirm the contractor license bond and the workers’ compensation proof or exemption for your classification. Some classifications must carry it even without employees.
Compare the exact endorsement wording they request with your policy forms, not only the limit.
Find out which bid, performance or payment bond they expect. It’s separate from your license bond and from your insurance.
List who is responsible for the existing structure, work in progress, materials and installed work at each phase.
Ask which equipment, storage locations and transit legs the inland marine schedule lists.
Also known as contractor insurance, contractors insurance, general contractor insurance, subcontractor insurance, construction company insurance and construction business insurance.
Get quotes from 45+ construction insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.
Get StartedRead these before you choose a policy or an insurer.
