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Demolition Insurance The Coverage Your Small Business Needs
Harper is a commercial insurance brokerage that specializes in two things:
Better Rates
Getting better rates on complete packages for businesses of all sizes.
Complex Cases
Covering the complex cases that make other brokers run away.
Why Choose Harper
High-Risk Industry Expertise Harper understands that demolition is "a hazardous occupation" and provides specialized protection designed specifically for contractors who work with wrecking balls, cranes, excavators, and other heavy machinery.
Comprehensive Coverage Solutions Harper offers complete protection packages including general liability for third-party injuries and property damage, errors and omissions for professional mistakes, workers' compensation for employee safety, and inland marine coverage for valuable equipment.
Competitive Pricing Harper provides affordable coverage with basic general liability policies starting as low as $65 monthly, making essential protection accessible to demolition businesses of all sizes.
Market Leadership Harper is part of the growing competition in demolition insurance, offering specialty products and program markets that address the industry's unique needs with expert knowledge and competitive rates.
Complete Risk Protection Harper recognizes the diverse risks demolition contractors face, from flying debris injuries to miscalculated explosions, and provides coverage that protects against both common accidents and unexpected catastrophes.
Professional Support Harper's insurance specialists understand the demolition industry's specific challenges and help contractors secure the right coverage for their business size, location, and operational risks.
Business Continuity Focus Harper helps demolition contractors protect their business operations, employees, and financial stability, allowing them to focus on safely completing projects without worrying about potential liability exposure.
Flexible Coverage Options Harper tailors policies based on business factors like company size, employee count, annual sales, and years in operation, ensuring each demolition contractor gets appropriate protection for their specific situation.
Demolition Contractors Insurance: Essential Protection for a High-Risk Industry
Demolition contractors are typically hired to tear down buildings and structures using heavy machinery. Anyone in this industry understands that it's a hazardous occupation. When you're the owner of a demolition company, you want to safeguard your business and your staff—which is why you require demolition contractors' insurance.
Why Do Demolition Contractors Need Insurance?
Here are several examples of why demolition companies require demolition insurance protection:
- A passerby is struck by flying debris and requires immediate medical attention.
- You miscalculate the explosives used in a demolition project and the explosion destroys the windows of a nearby business.
- One of your contractors loses his balance and falls while walking the construction site and breaks their arm.
These are just several examples demonstrating the need for insurance protection.
Who needs demolition insurance?
- Demolition contractors
- General contractors
- Piling contractors
- Blasting contractors
- Welding contractors
When your business uses wrecking balls, cranes, elevated work platforms, excavators, bulldozers, or other heavy machinery to dismantle structures—you require this specialized protection.
The Business Insurance Demolition Contractors Need
What coverage does a demolition business require? Here are our recommendations.
Commercial General Liability Insurance
Any comprehensive demolition insurance package must include general liability coverage. General liability protection shields your business from:
- Claims of third-party bodily injury
- Claims of third-party property damage
- Claims of advertising injury, libel, or slander
- Problems with completed operations
When your business is sued for any of these reasons, the insurance carrier you hold the policy with will provide legal counsel and the money to pay any legal costs or settlements.
Learn More About General Liability Insurance
Errors and Omissions Insurance
Mistakes occur in any profession, and a demolition contractor isn't immune. You can provide improper advice that leads to damage to other buildings. One of your contractors might accidentally demolish the wrong structure. When you're sued for negligence, a professional liability insurance policy can shield your company.
Learn More About Errors and Omissions Insurance >
Workers' Compensation Insurance
When you hire a demolition contractor or a crew for your demolition jobs, you'll require workers' compensation protection. It is mandated in most states and protects both you and your employees. When an employee is injured at work, workers' comp will pay for their medical bills and lost income. When employees agree to this protection, they usually waive the right to sue you and/or the business.
Learn More About Workers' Compensation Insurance
Inland Marine Insurance
Inland Marine Insurance—sometimes called Contractor's Tool and Equipment Insurance—shields your tools and equipment while in transit or stored on a job site. It's essential because commercial auto coverage doesn't protect tools and equipment that aren't permanently attached to your vehicle.
Learn More About Inland Marine Insurance >
How Much Does Insurance Cost Demolition Contractors?
Insurance carriers are no longer running away from the wrecking ball. Because more mainstream competitors are entering the market, rates are declining and competition is increasing.
Companies have become aware this has been a long under-served market and have developed specialty products and rates placing them under their "program markets" allowing agents to address the industry's special needs and access a company's expertise. That being said, the cost of a basic general liability policy can cost as low as $65 monthly.
What factors influence the overall cost of demolition coverage?
- Location of your business
- The size of your business
- How many employees you have
- Annual sales/profit of your business
- The years you've been in business
- The insurance company and policies you choose
- Deductibles and policy limits that you choose
The bottom line is that you want to secure the right coverage for your business. Let us help!
Get a Free Demolition Insurance Quote
Keep your business protected with the proper business insurance package—we can assist. Our goal at Harper is to help small businesses secure affordable insurance protection. To get a quick and free quote, complete the form at the top of the page to have one of our agents reach out to you.