Contractors Insurance

Risk Solutions for Contractors


Aon is the leading provider of risk management and insurance solutions to large and middle-market contractors whether they operate globally or regionally, in a specialty or as a general contractor or construction manager. We provide brokerage service to more than 45 percent of the ENR 100 with more than 80 percent of our client base is in the middle market.

Optimizing Coverage

Our Construction & Infrastructure Group leverages the placement volume, broking expertise and service infrastructure of Aon to provide industry-leading terms and conditions, pricing and claims support in the construction space. We provide comprehensive solutions across the range of insurance coverages vital to contractors, including:

  • Workers’ Compensation
  • General Liability
  • Auto
  • Umbrella / Excess Property
  • Subcontractor Default
  • Professional Liability
  • Environmental Liability
  • Employment Practices Liability
  • Cyber
  • Builders Risk
  • Installation Floaters
  • Contractor’s Equipment

We coordinate issued policies and endorsements among multiple parties and manage the policy issuance process and training required for certificates of insurance. We also provide contract review and analysis as well as additional insured endorsement reviews, contract reviews, cost allocations, safety consulting and claims advocacy.

Lowering the Total Cost of Risk

Our mission is to lower your total cost of risk through relevant management initiatives. Central to our approach is our knowledge that risk management is not a product, but a strategic process that not only mitigates risk but also creates operational efficiency and profitable growth for our clients.

Our approach begins with a detailed analysis of your firm, including:

  • Skillfully assessing your project and/or operations to ensure that the risk management approach and desired outcomes are well matched.
  • Identifying key business levers that drive insurance needs and costs.
  • Unearthing opportunities to improve the value of your insurance program.

Backed by this analytic understanding, we deliver a customized risk management solution, informed by Aon’s deep familiarity with local construction marketplaces and regulations.

Profitability, Continuity and Growth

Our services focus on supporting profitability, continuity and growth for contractors:

  • We help you optimize risk management spending, provide strategic support, create innovative risk transfer solutions and reduce cost -- transforming the risk management function into a profit center for your firm.
  • We deliver superior coverage and program design, as well as post-project support to help reduce volatility, protecting your balance sheet and infusing stability throughout your operations.



Construction & Infrastructure