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Look to your independent agent and The Cincinnati Insurance Companies to help manage the risk of your construction business, so you can stay focused on keeping your projects on track.


As a Cincinnati policyholder, you’ll receive a team of industry experts who will tailor insurance products and customize service plans to best serve your business needs. Service plans may include loss control service, claims reviews and access to our Cincinnati RiskManagerSM online platform for claims management. All are part of a year-round relationship that delivers the best value to you.

Experts help build an insurance program offering guaranteed cost, intermediate deductible solutions and three-year policy terms for qualifying accounts, in most states for many coverages:

  • General liability offering broad coverage with built-in enhancements specifically for contractors, including excess wrap-up coverage and primary noncontributory coverage. Options include:
    ‒ Contractors broadening endorsement, providing 18 additional coverage enhancements in one form
    ‒ Blanket additional insured status
    ‒ Railroad protective liability
    ‒ Owners and contractor protective liability
    ‒ Contractors limited pollution liability
    ‒ Contractors errors and omissions
  • Automobile
  • Umbrella up to $25 million
  • Workers’ compensation
  • Property
  • Inland marine
  • Cyber risk
  • Management liability
  • Surety
  • Owners and contractors protective and railroad protective


Cincinnati offers flexibility for a wide variety of construction businesses:

  • Civil and Infrastructure
  • General contracting
  • Specialty trade


Along with insurance protection, you receive Cincinnati’s proactive, collaborative loss control services from a department of technical specialists with an average of 29 years of experience. You’ll receive a single point of contact to help coordinate services to help you reduce costs, financially protect your business, keep your employees safe and continuously improve your program. You benefit through:

  • Increased productivity
  • Greater compliance with mandated regulations
  • Lower cost of risk

Cincinnati helps you with these general, but important, loss prevention topics:

  • Construction site security
  • Fire prevention for buildings under construction
  • Heavy equipment including crane operations
  • Contractual risk transfer expertise
  • Accident investigation practices
  • Quality management programs

To help you take care of the workers who keep your business going, consider these available resources:

  • Construction Focus Four Training
  • Injury and illness prevention programs
  • Accident/incident investigation
  • Occupational disease exposure
  • Industrial hygiene services, including occupational disease and noise monitoring
  • Return-to-work and stay-at-work programs

Contact your agent to learn more about all the products and services available to you, including how we fulfill our promises.

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