General Liability
$1M / $2M
Bodily injury, property damage, and completed-operations coverage written to match owner-controlled insurance programs and contract indemnity requirements.
Specialty Program
Insurance built for contractors and construction firms.
From general contractors and subcontractors to trades and specialty operations, Fortwell places coverage that satisfies owner requirements and protects your balance sheet on every job.
Coverage for construction
The lines contractors need — placed to match your contract obligations.
Workers' Compensation
Statutory
State-by-state coverage for trades and subcontractors, with experience modification reviews and return-to-work programs that control renewals.
Commercial Auto
$1M CSL
Owned, hired, and non-owned auto for trucks, vans, and trailers. Includes cargo and equipment floaters for tools in transit.
Inland Marine / Equipment
Agreed value
Contractor's equipment, installation floaters, and builders risk for materials and tools on site, in transit, or stored off premises.
Umbrella / Excess
$5M+
Additional limits above primary liability towers, often required by general contractors and project owners before a job begins.
Builder's Risk
Project specific
Coverage for structures under construction, including materials, fixtures, and equipment against fire, theft, and weather during the build.
Surety Bonds
Bid to final
Bid, performance, and payment bonds placed with sureties that understand your trade and financials. Critical for qualifying on public and private projects.
Limits and terms are tailored to each operation, contract, and state. We confirm coverage requirements before binding so certificates are accepted on day one.
Why contractors work with us
Coverage is only the beginning.
01
We speak OCIP and CCIP
Wrap-up programs change your coverage responsibilities. We review the enrollment documents and confirm your subcontractor certificate meets the owner’s requirements.
02
Certificates that keep you working
Same-day certificate issuance and additional-insured endorsements so your job-site access isn't delayed by paperwork.
03
Claims advocacy for trades
When a claim happens, we push for accurate reserves, prompt investigation, and a resolution that protects your EMR and future bidding power.
Claims, Risk & Advisory
We don't just place coverage — we help you use it.
Our team works beside you before, during, and after a loss. From certificate compliance to claims advocacy and contract review, we turn insurance into a practical business tool.
Claims Advocacy
When a loss happens, we manage the notice, coordinate with adjusters, and push for accurate reserves. Our goal is to protect your experience modification and keep your business running.
Learn moreRisk Management & Consulting
We review contracts, certificates, and owner-controlled insurance programs before work starts. Our consulting helps you negotiate better terms, close gaps, and reduce exposures before they become claims.
Learn moreCertificates & Compliance
Same-day certificates of insurance, additional insured endorsements, and subcontractor compliance tracking that keeps your job sites and contracts moving without delay.
Learn moreBonds
Contract, commercial, and license bonds placed with surety markets that understand contractors and growing businesses. We package financials so you can bid and bond with confidence.
Learn more