industries

Construction

Insurance for Construction Contractors

Building Confidence. For the People Who Build.

For nearly seventy years, VTC Insurance Group has led the way in risk management for construction and related industries. We have a deep knowledge and passion for this business few agencies can match, and it is that energetic and responsive approach to customer satisfaction our clients have come to expect from VTC.

Using our deep expertise of the construction business, combined with detailed analysis of your specific operation, we develop holistic risk mitigation strategies designed to keep projects moving forward confidently while controlling costs. Whether a large scale utility, general contractor or residential HVAC company we’ll help you reach your goals.

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Proactive Strategy. Responsive Service.

From our team’s construction insurance expertise to our hands-on service model and strong ties within the commercial building industry, we deliver boutique, customized risk strategies built for the realities of the job site. Our clients benefit from a deep bench of construction-focused insurance companies, specialized partners, and purpose-built programs that few agencies can match.

People
‍Dedicated team of construction experts - responsive and efficient

Approach 
Proven process for the lowest cost of risk

Access 
‍Priority access to top construction insurance and surety companies

Results 
‍Improved risk profile and safety + controlled costs

Proven Process for the Lowest Cost of Risk

1. Discovery
2. Assessment
3. Blueprint & Toolbox
4. Planning Session
5. Continuous Progress Reviews

Property and Casualty Services

Construction Coverage Planning and Procurement

Effective coverage starts with thoughtful strategy. Through a thorough discovery process, deep construction insurance expertise and efficient processes VTC ensures you get the coverage you need. From research to implementation, we do it all, so you can focus on your business.

Review of Operations, Risk Profile and Insurance Program
Application and Submission
Procure Quotes from Insurance Companies
Review Options and Recommendations
Renewal Strategy and Negotiation

Construction Risk Management

Through a meticulous understanding of your business and its immediate and future risk exposures VTC industry experts create a unique risk profile and risk management plan to improve safety and control costs.

Business Continuity Planning
Contract, Coverage, and Insurance Reviews
Employee Safety
Experience Modification Rate Reduction Strategies
Fleet Safety
- Driver Prequalification and MVR Review
- Telematics
Fraud Reduction Program
Loss Control and Claims Prevention
OSHA Benchmarking
Return-to-Work Programs
Risk Summaries
Risk Transfer Strategies
Subcontractor Pre-qualification

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Construction Claims Management

VTC facilitates the claims process from beginning to end with responsive, transparent experts. We work to improve your risk profile and lower loss reserves through comprehensive, timely action that helps prevent the next claim.

Advocacy
Reporting
Reviews
Trend Analysis

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Construction Regulatory Compliance

VTC provides dedicated consultants with the shared interest of optimizing your regulatory compliance, safety and claims - making you more appealing to insurance carriers to negotiate better terms and premiums.

DOT / MDOT (Department of Transportation)
FMCSA (Federal Motor Carrier Safety Administration)
OSHA Compliance and Support
- Incident Rate and DART Rate
- OSHA 300 Log Reporting
- OSHA Penalty Negotiation

Employee Benefits for Construction Companies is Available

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Property and Casualty Coverages

We provide industry-leading insurance for contractors, leveraging our size and deep-rooted carrier partnerships to secure tailored, cost-effective coverage for construction-specific risks.

Builders Risk Insurance
Captive Insurance
Cargo Insurance
CCIP Insurance (Contractor-Controlled Insurance Programs)
Commercial Auto Insurance
Commercial General Liability Insurance
Commercial Property Insurance
Contractors Equipment Coverage
Contractors Professional Liability Insurance
Cyber Liability Insurance
Environmental Liability Insurance (Pollution)
Errors and Omissions Insurance
Inland Marine Insurance
Loss Sensitive Insurance
- Retention or loss deductible programs
Management Liability Insurance
- Directors and Officers
- Employment Practice Liability
- Fidelity (Crime)
- Fiduciary Liability
OCIP Insurance (Owner Controlled Insurance Program)
Rigging Insurance
Subcontractor Default Insurance
Umbrella Insurance / Excess Liability Coverage
Workers Compensation Insurance

Largest Independent Construction Insurance Surety Agency in Michigan

Surety Bonds – Accurate and On-time. Every time.

As Michigan’s largest contract surety agency, VTC is built on decades of deep construction expertise. From office renovations to major interstate and infrastructure projects, we move with purpose — delivering precise underwriting, accurate surety bonds, and the urgency you need to keep work progressing and grow your bonding capacity.

Surety Services

Balance Sheet Benchmarking
Bond Program Consulting / Pre-qualification
Contract Review
Financial Analysis

Surety Coverages

Bid Bonds
Completion Bonds
Commercial Surety Bonds
Court Bonds / Appeal Bonds
License and Permit Bonds
Performance and Payment Bonds
Release of Lien Bonds
Single Job and Total Work Program Authority
Warranty (Maintenance) Bonds

Confidence to Keep Moving

Customer Stories

“VTC has been able to secure Payment and Performance bonds for us during difficult times. Their ability to perform has been a significant contributor to our continuing business operations.”

Michael G. Damone – Chairman 
The Damone Group

Construction Insights

Floor Opening Safety Precautions – What Your Workers Should Know

September 3, 2025

It’s no secret construction sites and on-the-job safety go hand-in-hand. Yet, the fact that falls are among the most reported construction site injuries may come as a surprise — especially when you consider these types of accidents can often be avoided.

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How to Avoid Injury When Lifting Heavy Loads

November 16, 2021

Warehouse workers spend much of their day lifting, carrying and transporting heavy objects. It only takes one mistake to sustain a serious, long-term injury due to improper lifting technique. The following safety tips provide helpful ergonomic guidelines for lifting any size load. Share them with your warehouse workers and consider posting them at your facility.

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Is Your Construction Firm Prepared for Cyber Threats?

June 13, 2025

As construction firms increasingly rely on digital tools and store large amounts of sensitive data, cybercriminals increasingly view them as attractive targets. As a result, construction businesses must take action to protect sensitive information from data breaches and other cybersecurity incidents.

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Construction

Building Confidence. For the People Who Build.

Proven Process for the Lowest Cost of Risk

Property and Casualty Services

Construction Coverage Planning and Procurement

Construction Risk Management

Construction Claims Management

Construction Regulatory Compliance

Property and Casualty Coverages

Largest Independent Construction Insurance Surety Agency in Michigan

Surety Bonds – Accurate and On-time. Every time.

Confidence to Keep Moving

Customer Stories

Construction Insights

The best contractors deserve the best agents.