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General liability
Third-party injury and property damage from jobsite operations. Not your tools. Not the building under construction. Read general liability.
Contractors insurance
Contractors insurance for the jobsite
From residential remodelers and landscapers to large GCs.
Liability, tools, equipment, and builder’s risk tailored to the trade, reviewed from our Edina, Minnesota office.
Why this coverage matters
The jobsite package is three different risks
Contractors insurance on this page is a jobsite package: general liability, tools and equipment, and builder’s risk.
Mixing those parts is how a contractor ends up with a gap when a tool is stolen, a third party is injured, or the structure under construction is damaged.
Coverage overview
What a contractors review usually includes
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Tools and equipment
Theft, vandalism, or physical damage to your tools and heavy equipment.
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Builder’s risk
The structure under construction, covered perils, until the project is complete. Builder’s risk is the building under construction. It is not general liability. It is not tools and equipment.
Details
Explore coverage details
Contractors general liability
Contractors general liability covers third-party injury and property damage from jobsite operations.
It does not cover your tools. It does not cover the building under construction.
Completed operations is a general liability topic. Claims can arise after the work is finished. That detail lives on general liability.
Builder’s risk
Builder’s risk covers the structure under construction from covered perils until the project is complete.
Builder’s risk is the building under construction. It is not general liability. It is not tools and equipment.
Bid specs, certificates, and additional insured requests
General contractors and project owners ask for a certificate and additional-insured status before work starts. Our team handles certificates, additional insured endorsements, and audit support. Request a certificate on certificates of insurance.
Related coverage
We also place these related lines. They are not the job of this page.
- Workers compensation: crew medical and lost wages. Related only. See workers compensation.
- Commercial auto: work trucks, trailers, and fleet.
- Umbrella / excess: extra limits for contract requirements.
What is Burch Insurance Group?
What is Burch Insurance Group?
Burch Insurance Group is a commercial insurance brokerage based in Edina, Minnesota, licensed in 15 states, with the ability to arrange coverage in others for qualifying accounts.
Service area, licensing, and office
Where is the office and what is the phone number?
The office is at 5021 Vernon Ave S #161, Edina, MN 55436. Call (612) 712-6407.
Do you place contractors insurance outside Minnesota?
Burch Insurance Group is a commercial insurance brokerage based in Edina, Minnesota, licensed in 15 states, with the ability to arrange coverage in others for qualifying accounts.
Service
Certificates that match the bid, not a portal with no follow-up
Bid specs often ask for additional insured status before work starts. That is a coverage change, not a certificate of existing coverage.
- Jobsite package, not a generic BOP Liability, tools, and builder’s risk are reviewed as separate parts of the same operation.
- Certificate and endorsement handling Additional insured requests are treated as coverage work, then routed for approval when the form requires it.
- Related lines stay in their place Crew injuries, work trucks, and extra limits are reviewed when the contract needs them.
How a review works
Three steps from first call to options
Tell us about the work
Trades, job types, tools, project values, and the certificates general contractors already ask for.
We review the risk and markets
Liability, tools, and builder’s risk are checked against how the jobs actually run.
A BIG team member follows up
You receive options, questions, and next steps from a person who stays on the account.
Edina, Minnesota
Request a contractors insurance review
Share the trades, jobs, and timing. We will review the risk and follow up with next steps.