Insurance for builders and contractors
Plan for the next job, from start to finish
Ting Insurance Services LLC is an independent agency that helps California builders and contractors explore available insurance options for their operations.
Tell us about your next job, crew and equipment as we discuss your insurance options.
Why work with us
- Your work comes first. We take the time to learn about your projects, crews and subcontractors before we quote.
- Plain answers. We explain what your current policy covers and what it leaves out, then discuss the coverage questions for the work you do.
- We review what you have now. As part of every quote, we review the current policy and coverage documents you provide. That includes before your renewal.
- Options from several insurance companies. As an independent agency, we look at options for the work you do.
What we look at before we quote
- License, crews and workers' comp. What work do you perform, who does it and what license and workers' comp records do you have?
- Roofing and work at height. Does the job involve roofs, ladders, scaffolds or open edges? How is that work planned?
- Subcontractors and paperwork. Do you have written subcontracts, insurance certificates and the additional-insured endorsements the contract calls for?
- Project types and completed work. Do you build condos or tract homes, or take on repairs involving alleged defects? What contracts and completion records can you bring?
- The unfinished project. Who arranges builder's risk, when is water turned on and how are materials secured before installation?
What happens next
Tell us about your work. Start with the quote form or book a call.
Have a current policy? Upload it in the quote form or email it to hello@tinginsurance.com. We review your current coverage.
We review your request and contact you.
We go through your options with you. We explain the differences and the questions to resolve before you choose.
Coverages builders and contractors usually look at
Coverage depends on the project, operations and policy terms. These are starting points for a review, not an automatic package.
- Builder's risk: Discuss the project, materials, existing structure and dates when coverage starts and ends.
- General liability: Review injury and property-damage questions from ongoing work and completed jobs.
- Workers' comp: Describe each crew member's duties, payroll and work locations.
- Business auto: Include work trucks, rentals and employees using their own cars.
- Commercial package: Review selected business coverages together and ask what remains separate.
Common causes of loss, and what helps
Common problems to check on a construction job. The figures are national, including older construction data. A cause on this list is not always covered; your policy decides.
Water damage to the project (show details)
What to check:
- Locate water shut-offs and name the after-hours contact before filling new plumbing.
- Check temporary weather protection around unfinished openings.
Stolen materials (show details)
Falls and crew injuries (show details)
Damage connected to completed work (show details)
Crashes between jobs (show details)
Let's talk about your work
Tell Ting Insurance Services LLC about your next project and the insurance questions you need to work through.