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    Commercial insurance for construction businesses

    Commercial construction

    Our focus

    We look to serve classes and sizes of commercial construction operations that are growing and may have outgrown small business coverages — a market often underserved. Our ideal commercial contractor has a good knowledge of site and fleet safety and wants to work with us to develop their risk management programs further.

    We seek contractors who passionately care about their employees’ safety and business reputation. Their work quality and standards are high, and they have the same expectations of their subcontractors.

    Take advantage of our specialized expertise

    • Customers are supported by a dedicated construction team of experts in underwriting, risk management, casualty claims and construction defect.
    • Our risk management team partners with construction customers to develop tailored risk management and safety solutions that suit their unique needs.
    • We support customers with claims experts who have industry experience and expertise to provide consultation and reporting, and to be an advocate through the claims process.
    • Nationwide provides strength and stability as a national carrier and Fortune 100 company1 with a long history of insuring contractors.

    Designed for commercial contractors

    • Risk management focused
    • $1,500,000 or more in Construction payroll
    • More than $100,000 in total premium
    • All lines solution

    Protection built to your high standards

    We support commercial general, heavy construction, and specialty & trade contractors who do the following types of commercial construction (but not limited to):

    • Commercial general contractors
    • Water & sewer construction
    • Concrete contractors (non-structural)
    • Commercial excavation
    • Underground utilities
    • Site prep
    • Electrical contractors
    • HVAC / mechanical contractors
    Safe driver training and resources
    Operating vehicles can be a significant source of risk. Get training, resources and expertise to help keep drivers safe.
    View driver safety

    Specialized construction support

    Commercial property insurance

    Combines building, business personal property and property in transit coverage to more fully address the needs of complex operations with high property values, multiple locations, and where business personal property is often moved between locations.

    Construction equipment

    Offers broad protection for graders, cranes, bulldozers, front-end loaders and other large equipment. There aren’t any restrictions on boom length or weight of load. We also can cover the big expenses that can follow a loss to equipment, such as renting substitute equipment, debris removal and pollutant cleanup.

    Covered property includes buildings under construction (including foundations); materials on site, in transit, or at temporary storage locations; and temporary structures. Additional coverages are available for scaffolding re-erection, site preparation and debris removal.

    City/state contractor’s license bonds, business services, fidelity coverage, wage and welfare, tax bonds, bid bonds, performance and payment bonds.

    Construction claims – just like your business – are unique


    We know that if you have a claim, not every situation is the same. So to help you and your business get back to normal as soon as possible you’ll have access to tools, resources and a team of experts. 

    Check out some highlights (PDF) on what sets our claims teams apart, such as:

    • Our core consultative services
    • Claims associate expertise
    • Tools that make it easy to file a claim

    Commercial package policy

    Combines commercial property, business income and general liability coverage into one convenient package. Options include additional insured status for ongoing and completed operations on a scheduled or blanket basis; primary / non-contributory coverage; waiver of subrogation; and per-project or per-location general aggregate limits.

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    Other business insurance products

    Explore your options for additional insurance protection for construction companies.

    Find an agent

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    Or call  1-888-490-1549
    [1] Based on revenue, FORTUNE magazine (June 9, 2025).

    Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.