Construction

The construction industry carries some of the most dynamic and high-exposure risks in California. Shield Point partners with both general contractors and artisan trades to build insurance programs that keep projects compliant, contracts moving, and crews protected.

Construction operations face unique challenges — subcontractor management, strict additional insured requirements, high-cost equipment, injuries on active jobsites, property damage, and shifting project scopes. We understand how these exposures impact your business, bidding process, and cash flow.

Shield Point provides end-to-end support so you can focus on building, not paperwork. Our construction insurance programs include marketing your account to multiple carriers, ensuring correct class codes, proactive risk review, and rapid certificate turnaround for GCs, owners, and project managers.

Typical coverages include:

General Liability (correct trade classifications, per-project aggregate options)
Workers’ Compensation
Commercial Auto & Fleet Coverage
Tools, Equipment & Inland Marine
Contractors Pollution Liability
Contractor’s E&O
Builders Risk / Course of Construction
Property & Equipment Breakdown
Excess / Umbrella Liability

We help contractors satisfy contract requirements, reduce downtime, and stay ready for any project — from residential remodels to large-scale commercial work.

🧱 General Contractor (GCs)

General contractors manage multiple trades, subs, timelines, and cost centers. This means higher liability exposure and strict risk-transfer requirements. Shield Point provides programs that support subcontractor oversight, strong contractual risk transfer language, and high-limit umbrella options. We also help GCs maintain per-project aggregates, builders risk policies, and strong workers’ comp programs that align with multi-phase projects.

🧱 Drywall Installation

Drywall installers deal with framing exposure, interior finishes, dust claims, and ladder/scaffold work. Shield Point builds coverage for property damage, installation issues, and jobsite injuries. We also help drywall firms secure certificates that comply with GC requirements, address subcontractor relationships, and support multi-unit or commercial build projects.

⚡Electrical Contractors

Electricians face significant risk from live current, panel installations, system upgrades, and commercial power infrastructure. Shield Point provides insurance that fits the electrical trade’s unique exposures, including fire risk, property damage, completed operations, and potential inspection issues. We ensure your GL classification is correct and certificates meet GC, owner, and municipal requirements.

🔥 HVAC Contractors

HVAC contractors work with gas lines, heavy equipment, roof installations, and mechanical systems — all of which require precise coverage. Shield Point structures HVAC policies that address property damage, installation errors, refrigerant handling, and employee injuries. We also ensure your GL reflects proper heating and cooling classifications and that you have the necessary limits for large mechanical and commercial service contracts.

🌲 Landscapers & Tree Trimmers

Landscaping and tree trimming operations involve chainsaws, chippers, elevated work, stump grinding, and heavy equipment — making liability and workers’ comp crucial. Shield Point places specialized coverage to address property damage, debris removal, falling branches, hardscape installation, and equipment theft. We also help ensure proper height and hazard classifications, which many carriers require for trimming or tree removal operations.

🎨 Painters

Painting contractors face exposures from overspray, ladder use, interior damage, and chemical handling. Shield Point arranges policies that protect against property damage, employee injuries, and vapor/overspray claims. We ensure your GL classification matches interior, exterior, or commercial painting operations and provide options for covering tools, sprayers, and equipment.

🚰 Plumbing Contractors

Plumbers face high water damage exposure, interior work risk, excavation, sewer backup liability, and potential damage from faulty installation. Shield Point secures coverage that protects against water losses, pipe failures, equipment breakdown, and trenching operations. Our programs also support compliance with residential, commercial, and municipal plumbing projects requiring strict COI and additional insured wording.