Contractors

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.

Construction Expertise

A contract review can reveal coverage gaps and unnecessary risks. Many contractors assume that their general liability policy will cover them for any mishaps on the job site, but this isn’t always the case. In fact, many policies have exclusive clauses and endorsement statements that limit coverage to certain types of risks. Hako Risk can fill in these gaps.

Our experts can go through your insurance policies with a fine-toothed comb to make sure you have the coverage you need. With Hako Risk insurance management services, you can decide which insurances you are missing and where you may be liable as a result. We then get you the coverage you need so that your business can operate without worry.

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.

Our Clients

Our contractor insurance coverages are for many different contractors.
Below are a few of the contractors we provide comprehensive insurance management services and coverage for.

Roofers:

Large commercial roofers who take on multiple jobs at once, specifically large jobs that are building tract homes, apartments, and more. This line of work requires many types of insurance coverage that Hako Risk can provide for when something goes wrong on the job site, such as a worker slipping and falling.

Graders and Excavators:

These jobs require working with heavy equipment on large construction sites, which means there is a bigger chance of an accident and someone could get hurt. Hako Risk specializes in providing insurance coverage for these types of risks through our contractor insurance solutions.

Framers & Scaffolding Contractors:

Often high up on buildings, this can be dangerous for workers who are not properly trained. We provide insurance coverage to protect against any accidents that may happen on a construction site or if someone gets injured while working with you as their contractor.

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.

Contact Us

If you are in the construction industry, it is important to have the right insurance coverage in place to protect your employees and your business.

Hako Risk & Insurance can provide you with a range of contractor insurance coverages that will protect you against any potential losses. Contact us today to receive a quote and let us help you get started on protecting your construction business!