Insurance for
demolition contractors
Protect your crews, your iron, and your contracts. Casey places demolition work — interior demo, structural takedowns, excavation, and grading — with specialty markets that actually want the class, at the limits GC and municipal contracts demand. One conversation in plain English: we compare the specialty market and bring back the best value for your risk.
Demo as one phase of your own remodels? See remodeling insurance
What it is
What demolition insurance covers.
Demolition is a class most standard carriers simply decline — the work lives in specialty markets, and the stack is bigger than most trades carry.
You don’t need to know which lines you need. Tell us about your operations and your broker builds the stack — with the limits your contracts name.
Who needs it
Every kind of demo operation — priced differently.
Interior & selective demo
Strip-outs and tenant-improvement demo in occupied buildings — the most placeable demo class, if it’s presented as what it is. We make sure it isn’t rated like structural wrecking.
Structural takedowns
Full-building wrecking with collapse and adjacent-structure exposure. A short list of markets writes it — we know which ones, and what they want on the application.
Excavation & grading
Underground utilities, open trenches, and completed-operations exposure after backfill. Often paired with demo on the same policy — priced by the mix.
Emergency & disaster response
Storm and fire callouts carry premium rates and paperwork to match. If response work is part of your book, we place it up front — not at claim time.
Something in between?
Most demo outfits mix interior, structural, and site work. Describe your actual operations in the form — that’s what your broker prices.
Insurance without the homework.
01
One conversation
Tell us what you do in plain English. We ask the right questions, tell you what coverage you need, and build the application for you.
02
Pay less for more
Our technology scans the market and finds the best value for your risk. Your broker then tailors the coverage — no gaps, nothing you don’t need.
03
White-glove service
Instant self-serve COIs. Around-the-clock support for everything else. No office hours, no waiting on a callback.
04
A broker who picks up
A licensed broker owns your account through every renewal. Call, and someone who knows your business answers.
Common questions
Demolition insurance, answered.
Why do carriers keep declining me?
Demolition is on most standard carriers’ prohibited-class lists — it’s not you, it’s the class. The work lives in specialty and E&S markets, which is where we place it. Declines and non-renewals are exactly the risk profile our markets exist for.
How much does demolition insurance cost?
It’s priced by structure type, height, method, and payroll — a $2,500 interior strip-out book and a structural wrecking operation are different worlds. There’s no honest generic number; we quote your actual operations and show you what moves it.
The GC contract wants $5M in limits. Is that realistic?
Yes — it’s standard on structural and municipal work. We stack umbrella and excess layers over your primary GL to hit the contract number, and build the COI with the wording the contract names.
What happens if we find asbestos mid-job?
Stop-work, abatement, and — if you’re insured right — a pollution claim rather than an uncovered one. GL excludes pollution; Contractor’s Pollution Liability answers for unexpected discovery and dust claims. If you sub out abatement, we make sure the sub’s coverage protects you too.
We were non-renewed after a claim. Can you still place us?
Usually, yes. Specialty markets underwrite the story, not just the loss run — what happened, what changed, and how the work is controlled now. Bring the details and we’ll present it properly.
Let’s get started.
Send it in and a licensed broker calls you back right away.
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