Builders’ Risk

Whether it’s construction of a new building or a remodel of an existing structure, construction projects present significant financial risk for those in charge of the job. Contractors and subcontractors who pay workers and purchase materials have concerns throughout the course of construction ranging from physical loss of materials to damaged equipment. In order to guard against financial losses, builders have a number of insurance options including Builders Risk policies and Installation Floaters. The choice you make depends on the unique nature of your job. Coverage is affordable and can, in many cases, be extended to completion and occupancy.

  • Construction Materials
  • Theft
  • Fire
  • Vandalism
  • Equipment
  • Ladders and Scaffolding
  • Labor Costs
  • Plants, Trees, and Shrubs

The application process is easy, and coverage can often be placed in a matter of hours – not days! Fill out our form below and a member of our Construction Industry Services team will be in touch with you soon.

“Beyond insurance needs, Tom Messier has proven to be a valuable and well-connected resource in the real estate development industry. Mason & Mason is so much more than just an insurance provider. They are an integral component of my business team, and I’m glad to have them as a partner in business."

John T. Sarkis, President of Sarkis Development Company

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Watch Your Step! Don’t Slip & Fall

Slips and falls are one of the most frequent causes of accidents, both on and off the job. Each year in the United States, more than 300,000 people suffer disabling injuries from falls. Slips and falls can be fatal as well; they rank second only to automobile accidents, causing nearly 12,000 deaths a year. To avoid getting hurt from falls, avoid rushing and remember the following:

Watch Where You Walk

Be aware of where you are walking. Look down continuously for spilled liquids, materials, equipment, changing surface levels, etc. Make sure the area is well-lit or use a flashlight if lighting is poor.

Wear Proper Footwear

Make sure your shoes are in good shape and correct for the job. Discard worn-out shoes with smooth soles and other defects. If conditions are wet and slippery, wear non-slip shoes or boots. Avoid footwear with leather soles which have poor floor traction--especially on smooth surfaces.

Check Floor Openings

Avoid unguarded floor openings. On construction sites, when covers are placed over floor openings, avoid walking on the cover unless it is absolutely secure and will not move or collapse. Never jump over pits or other openings.

Be Careful On Stairs

Do not run when going up or down stairs. Check to see that stair treads are in good shape, with no obstructions on the steps. Always use the hand railings that are provided. Avoid carrying large loads when going up or down stairs and ensure that stairs are well-lit.

Use Ladders Correctly

Never use broken or defective ladders. Set the angle of the ladder at the proper four-to-one ratio (height to width angle). Make sure the ladder is on solid footing and will not move when you climb upon it. Whenever possible, tie your ladder to the structure to improve stability. Anchorage at the bottom is also a good idea. Never stand on the top two steps of a step ladder.

Make Sure Scaffolding Is Safe To Use

When working on scaffolding, make sure it is secure, stable and properly set-up. Do not work on scaffolding if guard rails are missing or the base is unstable. Check to see that planks are in good shape and not cracked. Tall scaffolds should be tied into a structure to increase stability.

Don't Jump Out Of Vehicles

Never jump from equipment or vehicles. Use the handrail and steps provided, remembering the "three point rule." Avoid stepping onto loose rocks, slippery surfaces, oil spills, etc.