Built around your trade
Customized insurance programs for all trades in the construction and remodeling industry.
You build, repair and improve the places people depend on. Jacoby & Associates Agency helps you put insurance around the work, people and equipment that keep your business moving.
From foundation to finishing work
A remodeling crew working inside an occupied home has different concerns from a contractor building a new commercial space. The height of your work, the equipment you use, the people on your payroll and the responsibilities in your contracts all shape the insurance conversation.
We offer customized programs for general contractors, subcontractors and specialty trades across construction and remodeling. Whether you work independently or manage several crews, we start with what your business actually does. Our independent approach gives you a way to compare insurance options with guidance from a team you can call.
Do more than one kind of work? Describe the full mix, including occasional projects and work performed by subcontractors. A useful insurance review accounts for your whole operation, rather than just the trade name on your business card.
Your insurance program
No single policy answers every construction exposure. We help you consider how different coverages fit together, explain the options and identify questions to resolve before you choose a program.
A customer's property, a visitor at the jobsite, or work completed months ago can lead to a liability claim. Review protection for covered third-party bodily injury and property damage claims, along with how completed operations apply to your trade. We can discuss limits and exclusions in relation to the jobs you take on.
Explore general liability →Your crew is central to every project. Discuss coverage for employee work-related injuries and illnesses, taking into account the work each person performs. Accurate payroll and job classifications matter when comparing options. Tell us about new hires, seasonal crews and changes in your operations so the conversation reflects your workforce.
Explore workers’ compensation →Work trucks and vans carry people, materials and equipment between jobs. Review how your vehicles are owned and used, who drives them and whether employees use personal vehicles for business. Vehicle liability and physical damage are separate considerations, and tools carried inside a truck may need their own protection.
Explore commercial auto →The equipment that earns your income may travel between a shop, a truck and several jobsites. Ask about coverage designed for portable tools and machinery, including owned or rented equipment. We can discuss values, storage, transportation and theft exposures rather than assuming a property policy follows everything wherever it goes.
Projects and materials can face loss before a job is finished. Tell us about new builds, additions, renovations and equipment installations so we can discuss project-specific property protection. Who owns the materials, who arranges coverage and when that coverage begins and ends should be clarified before work starts.
A larger project may bring higher liability limits or exposures outside your usual scope. Ask about umbrella or excess liability options and any specialized protection relevant to your work. Design services, environmental exposures and other trade-specific activities deserve a separate conversation instead of an assumption that a basic policy includes them.
Coverage depends on the policy terms, exclusions, underwriting and your operations. Your advisor will discuss availability and the details of the options presented.
Before the next job begins
A new customer or general contractor may ask for specific insurance limits, additional insured status or other policy provisions. Share those requirements early so we can discuss how they relate to your current program and any changes that may be needed.
A certificate of insurance is evidence of coverage, not a substitute for reviewing the policy itself. If a contract requires a particular endorsement, let us know before you assume the certificate alone satisfies it. We can help you understand the insurance questions to address while you arrange your next project.
Also tell us when your business changes. Taking on a new trade, adding a truck, hiring employees or moving into larger projects can change the protection you should consider. A program that suited last year's jobs deserves another look as your work evolves.
Start with the details
You do not need to know every insurance term before you call. Tell us what you build, where you work and what you want to protect. Having a few details ready helps us focus on useful options and reduces back-and-forth during the quote process.
Describe your trades, residential or commercial projects, years in business and the locations where you operate. Include subcontracted work and any activities outside your everyday scope.
Have estimated payroll, annual revenue, vehicle information and tool or equipment values available. Existing policy documents and claims information can also help us understand where you are starting.
We will discuss the proposed coverage, limits and deductibles alongside the premium. Bring any customer insurance requirements or renewal deadlines so those details can be part of the conversation.
Common questions
Yes. We offer customized programs for construction and remodeling trades, including independent contractors and growing crews. Tell us about the projects you take on and whether you have employees or use subcontractors so we can discuss an appropriate starting point.
We can discuss the different operations within your business when exploring options. Be specific about each trade and the approximate share of your work it represents. Availability and terms depend on the insurer's review, so disclose occasional activities as well as your main line of work.
Your trade, project types, payroll, revenue, claims history, vehicles, equipment and selected coverage all affect the quote. Comparing price is useful, but limits, deductibles and exclusions also matter. We will help you review those differences before you decide.
Yes. Contact us with your renewal date and current policies. This is also a good time to mention new contracts, additional employees or changes in the work you perform. Starting early leaves more room to gather information and consider your options.
Jacoby & Associates Agency
Tell us about your trade. Let’s find coverage that fits your work.
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