Types of Construction Insurance NBIS Offers

NBIS is an industry leader in insurance products for heavy haul vehicles and construction equipment across the entire United States. Listed below are all the types of construction insurance that we specialize in. All of them are backed by our highly responsive claims management services, access to a rich pool of risk control resources, and knowledgeable customer service. Plus, we're happy to tailor any of these policies to the unique needs of your industry or business. For more information about any of our construction insurance coverage options, contact us for a prompt response.

Additional General Liability Coverage and Endorsements

  • Sudden and accidental pollution
  • Waiver of subrogation
  • Additional insured
  • Designated reinstating aggregate 
  • Compliance for statutory (minimum) financial responsibility limits for mobile equipment – where required
  • Primary wording – where required

Heavy Equipment & Inland Marine Coverages and Highlights

  • Limited replacement cost coverage for newer equipment
  • Rental reimbursement
  • No exclusions for lifting boom overload and collapse
  • Leased and rented equipment coverage
  • Coverage for miscellaneous tools and equipment
  • Multi-conveyance coverage – whether it’s at your yard, on your hook, or moved by your equipment, we offer the specialized coverage you need
  • Rigger’s liability – for the property of others while being raised or lifted and assumed under a written contract
  • Motor truck cargo – for when you are operating under a bill of lading or cartage agreement
  • Onsite storage – for when you store the property of others at your yard while under a written agreement
  • Transit – while you are transporting the property of other under a written agreement
  • Bailee coverage – for the property of others at your yard assumed under a written warehouse agreement
  • Installation floaters – for the property of others in your care, custody, and control to be installed and incorporated into a finished building product

Commercial Auto Coverages and Highlights

  • Filings for your commercial vehicles in all 50 states – where required
  • BMC 91
  • MCS 90 
  • Various over-size, overweight, permitting filings – where required
  • Upset and overturn pollution coverage for commercial vehicles
  • Hired and non-owned automobile coverage
  • Driver other car coverage 
  • Physical damage coverage
  • Other state and municipality coverage requirements

Excess & Umbrella Coverages and Highlights

  • Follow-form liability (does not include PIP, UM/UIM, or sub limited coverage)
  • Limits up to $5,000,000
  • Scheduled underlying coverages – subject to minimum underlying limit requirements
  • General liability
  • Excess over rigger’s liability included on the general liability form can be included (please consult your underwriter)
  • Commercial auto
  • Employer’s liability
  • Stop gap employer’s liability – where required
  • Employee benefits liability – when included under the general liability policy

Workers' Compensation Coverage and Highlights

  • Available in all states where worker’s compensation is required
  • Waiver of subrogation is available.
  • USL&H is available, but only when incidental to normal operations