Unity Insurance LLC | Construction Insurance in St. Louis, MO

Coverages

The coverage contractors actually get asked for

Every line below is written to satisfy a real contract requirement — not to pad a policy. If you're not sure which ones apply to your job, that's exactly the conversation we want to have.

Most requested

General Liability

The policy almost every general contractor, property owner and municipality asks to see before you set foot on a site.

Third-party bodily injury and property damage
Products & completed operations for finished work
Additional insured & waiver endorsements for your GC
Legal defense costs if you're named in a claim

Most requested

Workers' Compensation

Covers medical bills and lost wages when someone on your crew gets hurt — and keeps you compliant with Missouri law.

Medical treatment and wage replacement for injured workers
Employers liability protection for the business
Correct class codes so you aren't overpaying premium
Proof of coverage issued whenever a job requires it

Commercial Auto

Your truck is a work vehicle. A personal auto policy can deny a claim the moment it's carrying tools or a crew.

Owned trucks, vans, trailers and full fleets
Hired & non-owned auto for employee vehicles
Liability limits that meet contract requirements

Tools & Equipment

Inland marine coverage for the gear that actually earns the money — on the job site, in the truck, or in transit.

Hand tools, power tools and small equipment
Scheduled heavy equipment, leased or owned
Materials in transit and installation floater options

Commercial Property & BOP

Your shop, office, yard or warehouse — plus the stock, furniture and equipment inside it. Often bundled to save premium.

Buildings, contents, signage and fencing
Business income if a loss shuts you down
Business Owner's Policy bundling property with liability

Umbrella & Excess Liability

When a contract calls for limits higher than your underlying policies carry, an umbrella is usually the cheapest way to get there.

Extra limits over GL, auto and employers liability
Common on commercial, municipal and larger GC contracts
Structured to satisfy the exact wording in your contract

Also available: Builder's Risk for projects under construction, Installation Floater, Employment Practices Liability, Cyber Liability, and referrals for surety and license bonds. Ask us — if we can't write it, we'll point you to someone who can.

Who we serve

Built for the trades

From a two-person crew taking its first commercial job to an established contractor managing dozens of certificates a month — the work looks different, the paperwork doesn't.

Don't see your trade? We write most construction and skilled-trade classes. Call us and we'll tell you straight.

How it works

Four steps, and we do most of them

You shouldn't need to learn insurance to win a contract. Send us what you were given and we'll take it from there.

1

Tell us what the job needs

Forward the contract, the insurance requirements page, or just the email your GC sent. We read the fine print and translate it into plain language — what's required, what's optional, and what it will realistically cost.

2

We shop it for you

As an independent brokerage we're not tied to one company. We take your operation to multiple carriers, compare what comes back, and show you the real trade-offs between price and coverage.

3

Bind and get your certificate

Once you choose, we bind coverage and issue the certificate of insurance with the additional insured, waiver of subrogation and primary/non-contributory wording your contract actually calls for.

4

We stay on top of it

New job, new certificate. Payroll changed, add a truck, renewal coming, a question about a bill — you call us, we handle it. That part doesn't stop when the policy binds.

Certificates & ongoing service

The part most agencies stop doing

Plenty of agents will sell you a policy. Far fewer will still be answering the phone in October when a general contractor rejects your certificate over one line of missing wording and you can't start Monday.

“Helping you through the whole process — and there for you after.”

Certificates of insurance

Request as many as you need, as often as you need them. New GC, new site, new certificate — no charge, no runaround.

Additional insureds & waivers

We endorse the policy properly instead of typing a name on a certificate and hoping nobody checks.

Renewal & expiration tracking

We watch the calendar so a lapsed policy never costs you a job or puts you out of compliance.

Contract requirement review

Send us the insurance page before you sign. We'll tell you what you're agreeing to and whether your policy covers it.

Billing & payment setup

We get you onto autopay or a monthly installment plan, walk you through the carrier's billing portal, and sort out payment problems before a missed invoice turns into a cancelled policy.

Claims guidance

If something happens on site, call us first. We'll walk you through reporting it and stay in the loop with the carrier.

Why Unity

A local brokerage that speaks your language

Two languages, and the language of the job site. We'd rather spend an extra twenty minutes making sure you understand what you're buying than sell you something you'll find out about during a claim.

Locally owned and operated

We live and work in the St. Louis area. We know the general contractors, the municipalities, and the requirements that come up around here — because we deal with them every week.

Fully bilingual

Not a translated web page and an English-only phone line. Quotes, applications, certificate requests and claims are all handled in Spanish when that's easier for you.

Independent, so we can compare

We're a brokerage, not a captive agency. That means we can take your risk to more than one carrier and recommend the one that actually fits — including when the cheapest option isn't it.

We explain before you sign

Deductibles, exclusions, class codes, what an uninsured subcontractor can end up costing you — we go through it before you commit, not after something goes wrong.

Responsive when it matters

Certificate requests don't wait for business hours to become urgent. When you need something to start a job, tell us — we'll tell you honestly how fast we can turn it around.

One point of contact

You won't retell your story to a new representative every time. The person who quoted your policy is the person who handles your certificates and renewals.

Questions

Straight answers

The questions contractors ask us most. If yours isn't here, call — we'd rather answer it than have you guess.

Request a quote

Tell us about the work.

Fill this out and a licensed agent from our office will reach out — usually the same business day — to confirm details and start shopping your coverage. No obligation, no pressure.

A real person from St. Louis calls you back
We compare multiple carriers before we quote
Send us your contract requirements and we'll read them
Everything handled in English or Spanish

(314) 742-8249

Your name *

Business name

Phone *

Email *

Type of work / trade *

Preferred language

What coverage do you need? (check all that apply)

General Liability Workers' Compensation Commercial Auto Tools & Equipment Property / BOP Umbrella / Excess Not sure — need guidance Something else

Employees

Annual revenue

When do you need it?

Current carrier and renewal date (if you have coverage)

Anything else we should know?

By submitting, you agree that Unity Insurance LLC may contact you by phone, text or email about your request. We don't sell or share your information. Submitting a request does not bind coverage.

Insurance that keeps your crew on the job.

What your contract usually requires

Locally owned

Bilingual service

Construction-first

We stay on it