Products & Services


Commercial construction contractors face unique exposures that require specialized insurance protection. NAICO offers coverage for these exposures at an affordable rate. We focus primarily on insuring artisan contractors (sub-contractors) who perform work on commercial construction projects. We offer programs for various classes such as utility work contractors, dirt work contractors, electricians, and standard commercial construction contractors. NAICO underwriters have the ability to review each risk on an individual basis to provide the best possible package and rates available. We will review various classes of business within the construction industry and welcome the opportunity to do so.

Preferred Classes of Business

In an effort to be as diverse as possible, NAICO reviews each construction submission that is not specifically ineligble to determine if it is a risk we are willing to insure instead of limiting ourselves to a list of eligible classes. Some classes are more preferable than others; however, we take pride in having an opportunistic mentality. Contact one of NAICO's agents to determine if your business is eligible for one of our specialty programs.

Coverages offered:

Workers Compensation
Managed care options (as allowed by statutes)
Aggressive fraud investigations
Various deductible plan options available

General Liability
Various deductible plan options available

Auto Liability & Auto Physical Damage
Various deductible plan options available

Excess Liability
High limits available

Additional coverage extensions available

Inland Marine


In addition to our insurance products, NAICO offers aggressive claim management and proactive loss control services specifically adapted to the construction industry. Locate an agent near you by utilizing our agent locator for a quote. If you are an independent agent interested in a contract, contact the NAICO marketing department.