What You Need to Know About Demolition Contractors Insurance Programs

demolition contractors insurance programConnecting with a good demolition contractors insurance program can be one of the best things you do for your company. A demolition contractors insurance program can help to protect your business assets and can help to elevate your business.

Protecting your business from liability has to be a priority. The right demolition contractors insurance program delivers the protection your business deserves and other added value benefits. Let’s delve into this type of insurance a little further.

What is Demolition Contractor Insurance?

Demolition insurance provides insurance coverage that protects your business and your business assets. It can include coverage for:

  • General liability
  • Vehicle coverage
  • Pollution coverage
  • Excess coverage

This type of commercial insurance is written to help provide coverage for the unique needs of the demolition contractor. Demolition is an important part of construction projects and accounts for about 90% of construction costs. Fire, medical expenses, contractor pollution, and more can all be covered with the right demolition contractors insurance program.

Most states require demolition and salvage companies to have insurance in order to become licensed in the state. But obtaining insurance is the right move for so many reasons.

Why Do You Need It?

The most obvious need for this insurance is to protect your business assets, but it is not the only reason you should be covered. Many projects require that the demolition team is covered by insurance. For example, most municipal contracts for demolition require proof of insurance coverage.

As a demolition contractor, having the proper coverage can mean opening the door to bigger and better-paying contracts. Legitimizing your business by ensuring that you have the protection that people are looking for can help your business to beat out the competition.


Like every other type of insurance, there are typically caveats that go along with a general contractors insurance program. For example, many insurers require that less than 25% of your work is subcontracted. There may be other caveats in place as well, since each contractors insurance program has their own rules and requirements. The right program will meet your organizations specific needs.

Every demolition contractor should have insurance to protect their employees, to be protected from liability, and to help to establish themselves as a trusted business. Learn more about the programs that are available and which option is best for your business needs.