Foundation Repair Contractor Insurance
Underpinning, piering, waterproofing, and soil stabilization carry serious liability. We build coverage around the risks foundation contractors actually face — from a former contractor who gets it.
The policies foundation contractors actually need
Every coverage line below is shaped around structural, soil, and underground exposure — not generic contractor templates.
An insurance partner that has stood on the job site
Founded by a Former Contractor
Josh Cotner spent years on job sites before building Contractors Choice Agency. We understand piering, underpinning, and the liability that comes with structural work — because we’ve lived it.
We Understand Your Liability
Foundation work carries unique exposure: soil movement, structural defects, and property-damage claims that surface years later. We build policies around the risks that actually apply to you.
Fast, Honest Quotes
Most foundation contractors get a quote in 15 minutes. No jargon, no runaround — just the coverage you need at a price that makes sense.
Specialists, Not Generalists
We focus on trade contractors. That specialization means better carrier relationships, sharper pricing, and policies that hold up when you file a claim.
The risks generic policies leave exposed
Structural defects, soil movement, and property-damage liability are unique to your trade. So is the coverage that responds to them.
Contractor’s Pollution Liability
Soil and groundwater contamination from excavation, drilling fluids, or disturbed materials is a real exposure on foundation jobs — standard GL excludes it.
Umbrella / Excess Liability
A single catastrophic structural failure can exceed your primary limits. Umbrella coverage adds millions in protection above GL and auto.
Surety & License Bonds
Most states require contractor license bonds, and many projects require performance and payment bonds. We place both.
Covered in three steps
Tell Us About Your Business
Share your trade focus, crew size, and the work you do — piering, underpinning, waterproofing, or soil stabilization.
We Find the Right Coverage
We match you with A-rated carriers that understand foundation work and price it fairly.
You Get Covered in 15 Minutes
Review your quote, ask questions, and bind coverage the same day. We handle the paperwork.
Trusted by foundation repair owners
“CCA actually understood what underpinning and helical pier work involves. My old broker priced me like a generic GC — Josh’s team cut my premium and improved my coverage.”
“We had a soil-movement claim two years after a job. Their team had us covered and the response was fast. That’s the whole reason you carry insurance.”
“Fifteen-minute quote, no exaggeration. They knew exactly what a foundation repair operation needs and didn’t try to sell me junk I’d never use.”
Foundation contractor insurance FAQ
At minimum, general liability and workers’ compensation. Most foundation contractors also need professional liability (E&O) because they make engineering and design recommendations, commercial auto for their trucks and trailers, and equipment coverage for hydraulic piers and drilling gear. Many also carry contractor’s pollution liability and an umbrella policy.
Get foundation contractor insurance that actually fits your work
Talk to a specialist who understands piering, underpinning, and structural liability. Most quotes take 15 minutes.