• Your Trusted 24 Hours Service Provider!
  • Talk To An Expert : (407) 785-4594

Construction Insurance Coverage

Construction Insurance Coverage

Why Choose Us?

AOR provides commercial insurance and risk management to the Construction Industry by providing customized products and services tailored to fit the needs of any size construction operation. We have over 20 years of experience working with construction companies, from local general contractors to national entities and we know that protecting your business from risk requires a bit more than a “Bid” or “Quote”.

No matter the size, your business can benefit from our experience and we can teach you to address key exposures.  Our subcontractor management program not only targets contractual risk management, but also certificate management.  In addition our Risk Management portal and Loss Prevention platforms we focus on 100% OSHA compliance for our clients.

Our industry specialization spans beyond sub management and certificate control. We have dedicated insurance programs for large complex risks who focus exclusively on construction. In addition, we engage lawyers who are experts in construction defect and accident liability, and our specialized claims specialists excel at handling complex and catastrophic construction claims.

Target Construction Classes

of Business

General Building Contractors

Are you a general contractor?
Then you may need one of the following coverages:
• General Liability
• Commercial Auto
• Property Insurance
• Equipment Insurance
• Worker’s Compensation
You can’t always control every aspect of a project when working with outside contractors. Call us today and let us figure out the best option for protecting yourself, your business, and your projects. We can tailor a coverage plan best suited to your needs.

Heavy Construction Contractors

The larger the project and equipment, the larger the risks. Let us help protect your heavy duty construction equipment and construction projects. Whether the jobs are related to the FDOT, Street Road, or Asphalt we have the solutions for any and all larger contractors.
This includes but is not limited to:
• Bulldozers
• Backhoes
• Aerial Lifts
• Compressors
• Sweepers and Forklifts

Specialty Trade Contractors

We are here to serve our clients specializing in (but not limited to) the following trades:
• AC Systems
• Refrigeration Systems
• Heating or HVAC Sales
• HVAC Install – Service – Repair
• Septic Contractors
• Sheet Metal Contractors
• Interior Painting Contractors
• Commercial Plumbing Contractors
• Electrical Contractors
• Electrical Apparatus Install – Service – Repair

AOR Program Highlights

Construction businesses have complex risk management needs. In addition to offering commercial auto, workers compensation, umbrella, and excess, we also offer coverages tailored for construction businesses, including:

  • Inland marine insurance – contractor’s equipment
  • Cyber Risk Management
  • Owners and contractors protective liability (OCP)
  • Builders Risk and Installation Floaters
  • Project-specific coverages (e.g., wrap-ups, joint ventures)
  • Railroad protective liability
  • Contractor E&O Policies
  • Surety bonds
  • Active Shooter Programs
  • Designer and contractors professional liability
  • Architects and engineers liability
  • Terrorism and sabotage
  • Contractors environmental legal liability
  • Owners protective professional indemnity
  • Project cargo and marine delay in start up
  • EIFS Liability

Coverage Available

We also target Design build and integrated project delivery construction projects. We offer primary wrap up programs that combine the general liability and professional liability protection.