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Construction Solutions

When you undertake the risk of construction, your work is both complex and subject to an ever-changing environment.  How you respond to issues such as quality assurance/quality control, subcontractor management, jobsite security and safety, sustainability, delay and financial risk directly impacts your bottom line.  At Johnson Insurance, we believe your success should be more predictable than the challenges you face. 
Our underwriting, consultants and claims professionals are dedicated to the construction industry and understand your unique challenges. We are equipped to deliver quality service when you need it most.  Our team tailors solutions to meet the needs of construction customers by providing a broad array of differentiated products and services to address casualty, property, professional liability, subcontractor performance and operational risks.


Our mission is to provide creative solutions for the risks you face today and in the future.  We work with you to help save lives and reduce your total cost of risk.


Carpentry Insurance
If you are working on a job site and your customer is overseeing the progress of your project, they lean on a cabinet that has not yet been secured and it falls on them, badly injuring their legs, if they filed a lawsuit against you and you did not have public liability insurance, you would be held fully liable for any damages. In some cases, it’s the accidents you don’t think will happen that end up costing you the most money.

We excel at helping companies find the most appropriate insurance for carpenters so that in the event of the unexpected, you don’t have to worry about any accidents, damages, downtime or stolen tools. Here are a few types of cover currently available for carpenters:
Provides Protection for your Company against financial loss.  
Provides Coverage for Statutory benefits to employees injured on the jobsite.  
Performance Bonds, surely Bonds, Street Obstruction Bonds, License & Permit Bonds. Provides Liability and Physical Damage to your vehicles.
Builder's Risk, Equipment and Tool Floaters.
Provides Coverage for Statutory benefits to employees injured off the jobsite.



Builders Risk insurance plan is the industry leader in providing course of construction insurance solutions. We offer broad, flexible coverage options specifically designed to meet the unique builders risk insurance needs of even the largest residential or commercial construction project. Our competitive coverage includes an extremely broad policy, including:
Coverage for theft of materials from the moment they’re delivered to the job site
Protection for materials in-transit and at temporary locations
Coverage for materials that are installed or uninstalled
Coverage for losses due to ordinance or laws

Contractors Equipment coverage form offers broad coverage for contractors’ equipment and tools. Items typically insured under a Contractors Equipment policy are bulldozers, power shovels, loaders, graders, backhoes, forklifts, pavers, cranes, compressors, pumps and numerous other items of a mobile or portable nature.

Contractors Equipment policies can be written for contractors, municipalities, manufacturers, wholesalers, retailers or any other type of commercial risk owning mobile machinery and equipment. Covered equipment may be owned, rented, leased or borrowed from others.

Here are just a few of the ways our Contractors Equipment program can meet your coverage needs:
Scheduled values up to $10 million, up to $500,000 per item eligible (Agent’s authority      up to $1 million per schedule/$250,000 per item; higher values require underwriting      approval)
Ability to rate, quote, issue and manage Contractors Equipment policies over the       Internet at in just a few simple steps 24 hours a day, seven days       a week
Monoline product – Zurich Contractors Equipment policies can be sold on a stand-alone      basis or in conjunction with our Zurich Builders Risk insurance policies or other package      policies
Scheduled and blanket coverage options available
Skilled underwriters and support team at your service 7:30 a.m. to 7:30 p.m., Monday      through Friday
Flexible policy and billing options that work for you
Trouble-free claims service that gets your customers back in business



(p) (828) 258-8030 ∙ (f) (828) 258-8030