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For over 25 years Universal Business Insurance has been a leading authority in construction, contractor / artisan contractor insurance and risk management. We are trusted advisors to some of the most well respected builders in the country.


Our industry knowledge and experience makes us the leading choice for even the most hard-to-place contractors and classes. Whether you need liability insurance, workers’ compensation, environmental insurance or another specialty insurance product, we have an extensive network and solid industry relationships to find you the most competitive and comprehensive policy available.


Contractors Insurance Coverage


  • General Liability Insurance

  • Products / Completed Operations

  • Workers’ Compensation

  • Builders Risk

  • Equipment & Tool Floaters

  • Railroad Protective Liability

  • Real & Personal Property

  • Owners & Contractors Protective Liability Insurance

  • Surety Bonds

  • Pollution Liability

  • Employment Practices Liability

  • Directors & Officer’s Liability


Additional Program Services

  • Contract Reviews; Hold Harmless / Indemnification

  • Job Specifications Review

  • Certificates of Contractors Liability Insurance

  • Premium Audit Analysis – We help you establish accurate payroll / classification records to ensure fair premiums

  • Risk Management – Job site surveys – OSHA Consultation & Training – Construction Safety Specialist on Staff

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