⛉ Construction Insurance
Build with Confidence from Foundation to Finish
Construction Insurance provides essential protection for job site accidents, equipment damage, liability claims, and project delays so your business can keep building without interruption.
Complete Insurance Coverage for Construction Businesses
Construction businesses face daily exposure to jobsite risks, equipment damage, subcontractor liability, and project delays. At Hako Risk & Insurance, we provide full-scale construction insurance programs designed for general contractors, subcontractors, developers, and builders across commercial and residential sectors. Our offerings include general liability, builders risk, commercial auto, tools and equipment, workers’ compensation, and umbrella insurance.
Whether you're bidding on large-scale developments or managing multiple crews across job sites, we tailor your policy to meet contract requirements, licensing mandates, and real-world exposures. We also provide industry-specific programs for related trades like concrete contractors, roofers, crane operators, and stucco and drywall specialists. With decades of experience and direct access to top-rated carriers, Hako helps your construction business build safely—and grow confidently.
Construction Insurance Solutions
At Hako Risk & Insurance, we use our experience to deliver value in the insurance products and services we provide to our construction clients. We insure all types of contractors — from graders and excavators to roofers, framers, scaffolding contractors, tract housing builders, trade contractors and portable sanitation companies. Whether you’re working on a single project or a complex, large-scale production housing risk, we can provide you with the insurance and risk management program you require.
Hako Risk can help you make the best use of your insurance expenses by helping you understand coverage and determining what aspects of that coverage are most advantageous for your business. Likewise, with an attentive eye on insurance policies and endorsements, we can be certain that you’re not overpaying for insurance or worse, not carrying the coverage you need. With our experience and expertise, you can rest assured that you’ll have a partner in the business of protecting you and your construction projects from start to finish.
A Custom Plan Made for You
The focus of our insurance management services is on creating a custom plan for contractors through a thorough and detailed process. We will break down the contract requirements line-by-line to ensure we are providing the correct insurance for your business and that there is no area of the business that is exposed to risk. Once we complete this process, we’ll provide a detailed report explaining what was found in the review so you know exactly where your company stands.
Hako Risk strives to work closely with our clients to ensure that every need is met and every risk is accounted for. Take production housing contractors as an example. It is common to receive letters from plaintiffs’ attorneys. Without the proper guidance, it can be difficult to determine how to handle these letters. Watch the video below to see how our insurance management services can help production housing contractors through this situation.
We take the time to get to know your business and develop a long-term relationship with you so that you can focus on what you do best — running your business — while we take care of the rest!
Your Full-Service Agency
Our goal at Hako Risk & Insurance is to provide you with the construction insurance solutions you need to keep your business protected. As a full-service agency, we can manage every aspect of your coverage, from finding the right policy to claims management, so that you don’t have to.
Among our insurance management services is detecting endorsement statements hidden in your policies. These endorsements can limit your coverage or exclude certain types of risks, leaving you exposed to potential liabilities. Learn more about how Hako Risk will work with you to find endorsements in your insurance policies by watching this video.
You can trust our experienced staff to manage your insurance policies, as we have been doing so for more than 35 years.
We can cover your wide-ranging risks by providing you with the following insurance coverages:
- Commercial Property
- Builder’s Risk
- Business Interruption
- Commercial General Liability Insurance
- Umbrella & Excess Liability Insurance
- Product Liability
- Contractor’s Pollution Liability
- Professional Liability
- Crime and Employee Dishonesty
- Management Liability
- Commercial Automobile & Transportation
- Installation Floaters
- Contractors Tools & Equipment Floaters
- Workers’ Compensation
- Employment Practices Liability Insurance
- Surety & Bonds
- Property
- Equipment
- Cyber Liability
Hako Risk & Insurance works with some of the most respected and competitive insurance companies that specialize in construction insurance. Whether you’re a veteran in the industry or you’re just now breaking ground, our company has the expertise and solutions to help you compete and accelerate your growth.
Industries We Insure
Explore a wide range of specialty insurance options, each designed to give your business the protection it actually needs—not just generic coverage.
Our Services
We offer a broad spectrum of insurance solutions designed to meet the unique needs of businesses and individuals:
Reliable bonding services to support your contractual and legal requirements.
Protect What You've Built
Your business deserves more than just a policy—it deserves a partner. Let's discuss how Hako Risk & Insurance can help you minimize risks and maximize protection.
