Construction and Contractors


Lakeside Insurance specializes in construction insurance and it is the largest practice within our agency. We know construction! We have clients ranging from large commercial GC’s to specialized artisan contractors. From designing and creating custom WRAP’s and OCIPS for large or hard to cover projects, to working with clients on certificate and contract matters we bring unparalleled risk management expertise and added value to our clients.

Contractors spend their days making complicated decisions—to be exact in every measurement, precise in every detail and definite in every plan. It’s all part of a day’s work. That’s why, when it comes to protecting your business, we give our client contractors the tools to make complex decisions. Whether it is finding bonding solutions, designing a project specific policy, or helping you understand the potential risks on a specific project, our goal is to find ways for you to successfully bid and win projects that are larger, and more complicated, than you have previously completed. When you partner with our construction team we help you successfully grow!

Whether it is policy exclusions or construction defect litigation, Colorado can be a tough place for contractors to do business. We customize solutions for your contracting business by giving you detailed knowledge of what is and IS NOT covered under your insurance policy. The insurance marketplace can change year to year and Lakeside Insurance diligently works to partner with the top construction markets in the country. Our experience has taught us that if your agent is not providing multiple solution options for you at renewal, they may not be performing adequate due diligence to obtain the best coverage at the most competitive pricing.

In addition to our knowledge, we also have our own certificates team. We know that often contractors cannot get on a job-site or get paid without the appropriate certificates of insurance. Owners, developers, investors and others require specific wording that can be difficult to obtain. Our certificates team handles a large volume of these requests in a professional and timely manner.

At Lakeside Insurance, we take the guesswork out of your insurance decision by partnering with you and educating you on all the coverage solutions available. We arm you with all the information necessary about your insurance options so that you make the most informed decision possible.


From the skilled artisan to large general contractors, unique design build projects to complex environmental clean-up, we have the markets to help your business successfully grow your operations. Below is a list of coverages that we feel are important for contractors and construction operations:

• Professional Liability (offered in Occurrence or Claims Made coverage forms)
• Pollution
• Payment and Performance bonds
• WRAP/OCIP/Project specific coverage options
• General Liability (offered in Occurrence or Claims Made coverage forms)
• Workers Compensation
• Property (Building and Business Personal Property)
• Business Auto (anything with a plate)
• Umbrella/Excess Liability
• Employment Practices liability (discrimination, harassment, wrongful hiring or firing)
• Inland Marine/Contractors Equipment/Mobile equipment coverage
• Builders Risk
• Installation Floater
• Fidelity & Crime Bonds (including ERISA)
• Data Breach/Cyber Liability
• Directors and Officers coverage (D&O)

Construction Specialists at Lakeside Insurance:

Regardless of the size of your business, you need coverage that specifically matches your unique risks and concerns. As an independent agent who specializes in Construction and Contractors our team can help to assess your risks and get the right coverage plan in place.

Michael McCarron
Owner and Construction Risk Consultant
Direct Line – 720-833-4543

Dustin Nichols
Construction Risk Consultant
Direct Line – 720-833-4550

Judy Graham
Lead Construction Client Advisor
Direct Line – 720-833-4541

Darla Menger
Construction Client Advisor
Direct Line – 720-833-4555

Erika Lespron
Certificate Specialist

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