Protect Your Business with Kovalev Insurance – Get a Free Quote Today!
The construction industry is one of the most high-risk sectors, with hazards ranging from job site accidents and equipment theft to legal claims and property damage. Without the right insurance, a single unexpected incident can result in financial loss, project delays, or even business closure.
At Kovalev Insurance, we understand the unique risks that Massachusetts contractors, builders, and developers face. Our tailored construction insurance policies provide comprehensive coverage designed to keep your projects running smoothly and protect your bottom line.
With affordable pricing, expert guidance, and a hassle-free claims process, we’re the trusted choice for construction professionals across Massachusetts.
Running a construction business means juggling multiple responsibilities, from managing workers and materials to meeting project deadlines. But accidents and unexpected events can happen no matter how well you plan. Construction insurance ensures you’re financially protected when things go wrong.
Common Risks Covered by Construction Insurance:
Job Site Accidents: Injuries on-site can result in costly medical bills and lawsuits. Insurance covers medical expenses, lost wages, and liability claims.
Property Damage & Theft: Construction materials, tools, and equipment are expensive. Coverage protects against theft, vandalism, and damage from weather-related incidents.
Liability Claims: Liability insurance covers legal expenses and settlement costs if a third party (such as a client or passerby) is injured or their property is damaged due to your work.
Regulatory Compliance: Massachusetts construction laws require specific types of insurance, such as workers' compensation and liability coverage. Stay compliant and avoid penalties.
Business Continuity: If a project is delayed due to unforeseen circumstances, such as fire, severe weather, or equipment failure, having the right policy can minimize financial losses and help you recover faster.
Every construction project has unique risks, which is why Kovalev Insurance provides customized coverage options to meet your specific needs. Whether you’re a general contractor, subcontractor, or independent tradesman, we offer policies tailored to your business size, industry sector, and risk exposure.
A must-have for all construction professionals, general liability insurance covers:
Third-party bodily injuries – If someone is injured on your job site, this coverage helps pay for medical expenses and legal fees.
Property damage – Covers accidental damage to a client's home, business, or surrounding properties.
Legal defense costs – Pays for attorney fees and court costs if you face a lawsuit.
Required by Massachusetts state law, workers’ compensation provides:
Coverage for medical bills and rehabilitation expenses for injured workers.
Wage replacement for employees unable to work due to job-related injuries.
Protection against lawsuits from employees or their families.
This specialized coverage protects structures under construction from damage due to:
Fire, vandalism, and extreme weather.
Theft of materials, tools, and on-site equipment.
Unexpected delays leading to financial loss.
Construction businesses rely heavily on vehicles for the transportation of workers, materials, and tools. Our policies cover:
Company-owned trucks, vans, and utility vehicles.
Accidents, damage, and liability involving business-use vehicles.
Uninsured and underinsured motorists.
Construction tools and heavy machinery represent a major investment. Our policies offer:
Coverage for stolen or damaged tools and equipment.
Protection for leased or rented machinery.
Off-site and transit coverage.
Also known as Errors & Omissions Insurance, this coverage protects against:
Design errors or miscalculations leading to structural issues.
Project delays or disputes due to negligence claims.
Breach of contract lawsuits from dissatisfied clients.
Construction insurance is vital for anyone working in the building and contracting industry. At Kovalev Insurance, we provide coverage for:
General Contractors – Ensure comprehensive protection for all aspects of your projects.
Subcontractors – Coverage for electricians, plumbers, roofers, painters, and more.
Home Builders & Developers – Protection for residential and commercial development projects.
Independent Contractors & Handymen – Flexible policies to suit self-employed professionals.
Renovation & Remodeling Companies – Coverage for property improvements, additions, and renovations.
Whether a small business or a large construction firm, Kovalev Insurance has affordable, tailored solutions to your specific needs.
We understand the unique challenges and requirements of the local industry
Every business is different, and we offer coverage that matches your specific risks.
Quality coverage without breaking the bank.
Our team ensures quick resolution so you can return to work.
We're here to answer your questions and guide you through every step.
When it comes to protecting your business, trust the experts at Kovalev Insurance!
Yes, Massachusetts requires certain types of insurance, including workers’ compensation and general liability insurance, for businesses with employees or contracts.
The cost depends on factors like business size, number of employees, policy limits, and risk exposure. Kovalev Insurance offers competitive rates and customized policies to fit your budget.
Absolutely! Bundling policies like general liability, workers’ compensation, and commercial auto insurance can help you save money while ensuring complete coverage.
Operating without construction insurance can expose your business to major financial risks. Without proper coverage, you may have to pay out-of-pocket for lawsuits, property damage, medical expenses, and regulatory fines. In Massachusetts, failing to carry workers’ compensation insurance for employees can also result in hefty penalties and legal consequences.
At Kovalev Insurance, we work to provide fast approvals so you can get coverage in as little as 24 hours. The approval speed depends on the policy type, your business details, and underwriting requirements. Contact us today to get started on your quote!
Yes! Even if you’re a sole proprietor or independent tradesperson, you can still face liability claims, property damage, or accidents on a job site. Many general contractors and clients require proof of insurance before hiring independent workers. A basic general liability policy can protect you from financial loss and help you secure more business.
Several factors determine the cost of your insurance policy, including:
Business Size & Revenue – Larger businesses with more employees and projects typically have higher premiums.
Type of Work Performed – High-risk trades like roofing, excavation, and demolition may have higher costs.
Claims History – A clean claims record can help lower your rates.
Coverage Limits & Deductibles – Higher limits and lower deductibles result in higher premiums, but provide better protection.
Location – Massachusetts-specific risks, such as weather-related damages, can affect pricing.
Don’t let unexpected risks threaten your construction business. Whether you're a contractor, subcontractor, or builder, Kovalev Insurance has the right coverage at the right price for Massachusetts professionals.
Find us in the heart of Newton, Massachusetts, providing expert construction insurance solutions for contractors, builders, and tradespeople across the state. Whether you're a general contractor, subcontractor, or independent tradesman, we’re here to help you secure the right coverage for your business needs. Reach out at 617.562.6060 or visit us at 188 Needham Street, Suite 220, Newton, MA 02464. Let’s discuss a customized construction insurance plan to protect your projects and ensure your business thrives.
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