From damaged equipment to liability claims, a single gap in coverage can slow your business down. UCI provides property and casualty insurance that protects your buildings, tools, and operations through one coordinated plan.
Property and casualty insurance protects your business from two key exposures: physical damage to your property and liability for harm to others. UCI builds coverage programs that align with the unique needs of construction firms, ensuring every part of your operation is properly insured.
Commercial buildings, warehouses, and offices
Contractor-owned tools, equipment, and materials
Business personal property such as computers and supplies
Premises liability for injuries or property damage involving third parties
Business interruption and extra expense coverage
Inland marine coverage for mobile tools and job site equipment
UCI’s property and casualty coverage supports contractors and construction firms that manage physical property and liability exposure, including:
Contractors with owned or leased commercial spaces
Companies storing materials, tools, or vehicles on site
Homebuilders and roofers managing equipment across projects
Firms needing bundled property, liability, and inland marine protection
Multi-location operators seeking consistent coverage
If you’re unsure which parts of your business need protection, our advisors can review your setup and recommend the right coverage mix.
UCI provides a consultative, construction-focused approach to property and casualty insurance. We coordinate your protection across every location, ensuring your buildings, tools, and people stay covered.
Protect your buildings, your tools, and your liability—all in one streamlined policy.
Verticals
Each vertical has its own loss profile, carrier appetite, and contract language. We staff the practice accordingly, for a wide range of contractor types across all 47 states, including:
01
GCs hold the master policy and carry the risk for work their subcontractors perform, not just their own crews. Coverage has to account for subs, completed work, and owner contract terms.
02
Solar and wind projects bring high equipment values and electrical work that many carriers are still cautious about. As a newer class, it needs coverage that keeps pace.
03
HVAC, plumbing, and electrical trades face fire from hot work and water damage from failed connections. Each one needs coverage matched to how the trade actually operates.
04
Roofing is one of the toughest classes to insure. Height, torch-down heat, and weather drive up claims, and many carriers cap limits low or decline the work.
05
Concrete, formwork, and structural steel carry heavy-equipment risk during the job and long-tail liability after. A frame that fails years later can still trace back to the contractor.
06
Water, fire, and mold work runs into pollution and mold claims that standard policies routinely exclude. This vertical needs environmental coverage written for the specific hazards involved.
07
Glazing, drywall, painting, flooring, and other niche trades each carry their own loss profile and carrier appetite. Coverage gets matched to the trade instead of forced into a generic policy.
No problem. We regularly build custom programs for niche contractors and hybrid construction firms. If you build it, we can cover it.
We offer comprehensive contractor insurance coverage across all 50 states with a deep understanding of local regulations, union requirements, and regional construction practices.
We’ve helped professionals across the industry protect their businesses without the headaches of overpriced or confusing policies.
From property damage to liability claims, UCI helps you protect every part of your business with clarity and confidence.
Let our advisors design a property and casualty insurance program that fits your operations and supports your growth.
