Contractors & Construction Companies in SC

Protect your jobsite, your crew, and your business with coverage built for construction, and get the certificates you need to win contracts.

Fast Certificates for Your Contracts

Here for You When It Matters Most

More Options, Better Coverage

Carriers That Know Construction

Protect Your Jobsite and Grow Your Business

In construction, every project involves crews, client property, tools, vehicles, and requirements that need the right protection. At Omega Insurance, we understand what contractors and construction companies in South Carolina face. We help general contractors, subcontractors, and growing businesses find coverage such as General Liability, Workers’ Compensation, Tools & Equipment Insurance, Commercial Auto, and Certificates of Insurance, so they can work with confidence, meet jobsite requirements, and pursue bigger opportunities.

Years of combined experience

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The Risks You Face on the Jobsite

Construction has exposures that no generic policy covers well. These are the risks we help you prepare for:

Jobsite Injuries

A worker hurt on site can mean medical bills and claims. With Workers’ Compensation, you protect your crew and limit the financial hit to your business.

Damage to Others’ Property

Accidental damage to a client’s or neighbor’s property can turn into repair costs and legal defense that, without General Liability, your business would have to cover on its own.

Contracts That Require Insurance

A general contractor or client may ask for a Certificate of Insurance before you start. Having it ready helps you meet requirements and avoid losing the job.

Tools and Equipment

Theft or damage to your tools can stall the job and hurt your crew’s productivity. With Tools & Equipment Insurance, you protect the gear that keeps your business moving.

Uninsured Subcontractors

If you work with subs who don’t carry coverage, their exposure can end up landing on your business. Checking their certificates and your own coverage helps reduce that risk before work begins.

Work Vehicle Accidents

An accident in a truck or work vehicle can create costs your personal auto policy won’t cover. With Commercial Auto, you protect your business while your crew moves between jobsites.

Coverage Built for Contractors and Construction Companies

We bring together, in one place, the coverages a contractor actually needs, from the basic liability to what gets required when you sign bigger contracts.

General Liability

The foundation of your protection. It covers third-party injuries and damage to others’ property during your work. It’s what nearly every contract requires.

Workers’ Compensation

Covers your workers if they’re injured on the jobsite, and in many cases it’s required to operate legally.

Commercial Auto

Protects the trucks and work vehicles you move between jobsites.

Business Owner Policy (BOP)

Combines property and liability in a single policy if you have an office, shop, or warehouse.

Tools & Equipment

Protects your crew’s tools and equipment against theft or damage, on or off the jobsite.

Contractor / Surety Bonds

The bonds certain licenses and contracts require to guarantee you’ll complete the agreed work.

Ready to Win Your Next Contract?

Get your quote and your Certificate of Insurance without delays.

Why Contractors Choose Omega Insurance

Your Certificate of Insurance, Fast.

We issue your Certificate of Insurance (COI) on time so you don’t lose the contract.

Carriers That Know Construction.

We work with carriers that specialize in the trade.

Coverage for Every Stage.

From the sub just starting out on their own to the company running a full crew and fleet.

Here When It Matters Most.

We walk you through every coverage and requirement, and stand by you when you need to file a claim.

What our clients say

Get your free Quote

Quick & Easy

Get Your Contractor Insurance Quote in South Carolina

We help contractors and construction companies get coverage that meets their contract requirements and protects their business. We work with carriers that specialize in construction to fit your operation and your budget.

Fill in your details and an Omega agent will reach out to review the option that fits your business best.

Contractor Insurance FAQs

What insurance do I need to win construction contracts?

Most contracts require General Liability, and many also ask for Workers’ Comp and a Certificate of Insurance (COI) to prove it. We help you carry the coverage and the certificate your contracts require.

What is a Certificate of Insurance and why do they ask for it?

It’s the document that proves you carry active insurance. A general contractor or client usually requires it before letting you start work. At Omega, we issue it fast so you don’t lose the contract.

Do I need Workers’ Comp if I only work with subcontractors?

It depends on how you operate and what the contract requires. Even when you use subs, many general contractors and clients want you to carry your own coverage. We review your situation and tell you what you need.

How much does contractor insurance cost?

It depends on your trade, the size of your operation, your history, and the coverage limits your contracts require. At Omega, we compare carriers that specialize in construction to find coverage that fits your budget.

Do you cover both subcontractors and companies with a crew?

Yes. Whether you work on your own, run a crew, or lead a growing construction company, we build coverage that fits your operation.