Construction Insurance in Sacramento
Sacramento-area contractors get squeezed on two sides: owners who want certificates tomorrow, and carriers who want a clean loss history, payroll, and job-type mix. Lions & Coventry places construction insurance for general contractors and specialty trades working in Sacramento, Loomis, Roseville, Folsom, Orangevale, Fair Oaks, and Citrus Heights.
Coverages Sacramento contractors actually get asked for
- General liability with additional insured and primary/noncontributory wording for GC and owner certs
- Workers compensation with the right class codes so an audit does not blow up the rate
- Inland marine / tools and equipment, including scheduled items that leave the truck
- Commercial auto and contractor vehicle coverage for crew rigs and dump/haul
- Builders risk when you are responsible for the project during construction
- Specialty trade and contractors insurance packages when you are a sub, not the GC
We shop A-rated carriers rather than forcing one market. If your work mix is residential remodel one month and commercial tenant improvement the next, the application has to say so — or the policy will not.
Local, not a call center
Certificates, additional insured requests, and mid-term equipment adds are done from our Citrus Heights office. If a GC is holding payment over a cert, that is a same-day problem, not a ticket in a queue.
Call (916) 967-7715 or request a quote. 7816 Uplands Way, Ste C, Citrus Heights, CA 95610. License #0G22084.