Build with Confidence, Secure Your Business: Essential Insurance for Contractors | Marvel Insurance Consultants

Protect Your Legacy, Project After Project

Comprehensive Insurance for Contractors
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Mitigating Risks

The construction industry thrives on innovation, but it also comes with inherent risks. Standard liability insurance may not provide the comprehensive coverage you need to navigate the complexities of today's projects.

Safeguard your business, your crew, and your clients with a tailored insurance plan from CIA (Marvel Insurance Consultants).

General Liability

This foundational coverage protects you from property damage, bodily injury claims from accidents on the job site, and unexpected third-party liabilities.

Workers' Compensation

Ensure financial protection for your employees in case of work-related injuries or illnesses, a requirement in most states.

Commercial Auto

Get comprehensive coverage for vehicles used for business purposes, including company trucks, vans, and employee cars used for work commutes.

Builder's Risk

Safeguard your construction project itself from unforeseen events like fire, theft, or weather damage.

Tailored to You

At CIA, we understand no two construction projects are exactly alike. We offer a variety of specialized insurance solutions to cater to the specific needs of different contractor types.

General Contractors

Get a comprehensive package encompassing general liability, workers' compensation, and builder's risk insurance, with options to add commercial auto coverage.

Specialty Contractors

Electricians, plumbers, and other specialty contractors can access tailored policies that address their unique risks, including potential errors and omissions (E&O) coverage.

Home Improvement

Protect your business focused on renovations and remodels with coverage for smaller-scale projects.

Why Partner With Us?

Choosing the right insurance partner is crucial for your construction business.

Industry-Specific Expertise

Our team has a deep understanding of the legal, financial, and operational challenges faced by contractors across various specialties.

Risk Management

We go beyond insurance policies, offering valuable resources and guidance on workplace safety protocols and risk mitigation strategies.

Customized Coverage

We take the time to understand your project types, crew size, and budget to create a personalized insurance plan that fits your specific needs.

Dedicated Client Support

Our agents are always available to answer your questions, address concerns, and guide you through the claims process if necessary.

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What Some Clients Say...

"David is absolutely the person you want on your side! I was hesitant and unsure about switching insurance providers, but he patiently guided me through every step of the process."

~ Kevin H

"He ensured I understood everything, thoroughly answering all my questions, & was a pleasure to work with. If you're considering new insurance or switching plans, David is your guy!"

~ Latoya M

"David was outstanding in helping me quickly address my insurance needs. I appreciate his professionalism and ability to think on his feet. Highly recommend for anyone with insurance needs!"

~ George P

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Frequently Asked Questions

Health insurance plans typically include HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), EPOs (Exclusive Provider Organizations), and POS (Point of Service) plans. Each has its own network of providers and coverage options, so it's important to assess individual needs and preferences.

Consider factors like premium costs, deductibles, co-pays, network coverage, prescription drug coverage, and specific health needs. Evaluating these elements alongside individual circumstances and budget can help identify the most suitable plan.

The out-of-pocket maximum is the highest amount you'll pay for covered services within a policy year. Once you reach this limit through deductibles, co-pays, and coinsurance, the insurance company covers 100% of the costs for covered services.

It depends on the specific plan and provider network. Some plans allow you to keep your current doctor if they are in-network, while others may require you to switch providers. It's crucial to review the plan's network to ensure your preferred doctors are included.

Missing the open enrollment period generally means you'll have to wait until the next enrollment period to obtain health insurance. However, certain life events, such as marriage, having a baby, or losing job-based coverage, may qualify you for a special enrollment period, allowing you to enroll outside the regular enrollment window.