Demolition Insurance

A lawsuit against your business could potentially demolish your operations, protect your company with Demolition Insurance.

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Zensurance - Demolition contractor

What is Demolition Insurance?

Demolition Insurance is a policy package designed for demolition contractors, which provides financial coverage for common risks such as third-part bodily injuries and property damage.

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What does it cover?

Tearing down the structure of a building can present a high risk of third-party injuries and property damage. Therefore, it is important to have insurance coverage specifically designed for the risks you encounter and the equipment you own.

A comprehensive Demolition Insurance policy will typically include the following:


Who needs Demolition Insurance?

Regardless of the demolition services provided (residential or commercial), there may be risks of injuries and property damage, especially in worksites involving heavy machinery and explosives.

Should you or your employees be named in a lawsuit, having the proper insurance program will provide the financial coverage that your business requires.

We’ve insured more than 1,000 contractors. Some of our clients include:

  • Asbestos Removal / Abatement Contractors
  • Commercial Demolition
  • Debris Removal Contractors
  • Excavation companies
  • Residential/House Demolition

How much does it cost?

The cost of insurance for demolition contractors typically starts at $2500 for a Commercial General Liability Insurance policy with a $2M coverage limit.

There are several factors considered when determining a price for an insurance policy, including:

  • Number of Employees
  • Project type (Commercial/Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

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Request a free quote to start your insurance application today.

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Common claims scenarios

Mercedes Benz

Problem: You were contracted to remove a section of your client’s home.  During the demolition, a large piece of debris collapses and damages your client’s brand new Mercedes Benz.

Outcome: Your Commercial General Liability Insurance would cover the $72,000 cost to repair the vehicle.


Problem: A group of belligerent teenagers broke into your office, taking the keys to your bulldozer. Your bulldozer ends up destroyed and disposed of at the bottom of a nearby lake.

Outcome:  Your Tools and Equipment Insurance covers the $250,000 cost to recover and repair your bulldozer.

Flooded Room

Problem: During the demolition of an older commercial building, one of your sub-contractors accidentally struck an underground water pipe.  The flooding ended up causing mold problems in the neighboring buildings.

Outcome: Your Pollution Liability Insurance policy covers the $750,000 worth of property damage and cleanup costs that resulted from the accident.

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