# Construction Project Insurance and Surety FAQ URL: https://mycontractorsinsurancequote.com/faq Updated: 2026-10-29 · Reviewed by the Principal, Gleason Insurance Brokers, LLC Publisher: My Contractors Insurance Quote, a website of Gleason Insurance Brokers, LLC MCIQ is a specialist website of Gleason Insurance Brokers for construction project insurance and contract surety on projects in California, Texas, Arizona and Nevada. A project review starts with the contract documents, the budget and the schedule, and it ends with terms from insurers or sureties for you to compare. Nothing on this site binds coverage or issues a bond. ## How MCIQ Relates to Gleason Insurance Brokers MCIQ is a website owned and operated by Gleason Insurance Brokers. It focuses on one kind of work: project insurance and contract surety for developers and subdividers, general contractors and civil and infrastructure contractors. Insurance and surety placements that start here are handled through Gleason Insurance Brokers, which is the licensed brokerage. MCIQ is not a separate agency and not an insurer or surety. Keeping the project work on its own site lets the content go deep on builders risk, wrap-ups, project liability, pollution and bonds without mixing in the broader brokerage's other lines. [about this project insurance website](https://mycontractorsinsurancequote.com/about). ## What a Project Review Needs Underwriters and sureties price projects from documents, so the review moves only as far as the file allows. The core set is the project description and address, the legal names of the owner, developer and contractor entities, the construction contract and its insurance and bond exhibits, the lender's insurance exhibit if there is a loan, the budget split into hard and soft costs and the schedule. Contractors add revenue, work in progress and loss history; sureties add financial statements. Do not send Social Security numbers, bank account details or payment information through the website. If a surety later needs personal financial information from an indemnitor, it is collected through a separate, secure process. [the full project document checklist](https://mycontractorsinsurancequote.com/resources/project-insurance-checklist). ## Which States MCIQ reviews projects located in California, Texas, Arizona and Nevada. Each state changes some answers: contractor licensing, public works bond statutes, subdivision improvement security and excavation notice rules all differ. Projects in other states, or a California developer building in another market, may still be handled through the brokerage, but this site's guidance is written for those four states. [California project insurance and bonding](https://mycontractorsinsurancequote.com/california). ## How Quotes and Submissions Work The quote request form asks for your role first, then branches: developers describe the project, entity and financing; contractors describe the company, the contract and its requirements. A broker reviews the submission, asks for any missing documents and approaches insurers or sureties suited to the project. Terms come back as proposals with conditions, subjectivities and exclusions. Nothing is bound until you accept terms and the insurer or surety issues a binder, policy or bond. Timing depends on the project, the completeness of the file and the markets involved, so the review does not promise a turnaround. Larger or unusual projects tend to take longer. [start a quote request](https://mycontractorsinsurancequote.com/get-a-quote). ## No Binding Authority on This Website Submitting a form, sending an email or calling does not bind coverage or create a bond. Coverage exists only when an insurer issues a binder or policy, and a bond exists only when a surety executes it. The information on this site is general and educational; it is not legal advice, and it does not change the terms of any policy, bond or contract. Policy forms, endorsements and bond forms control, and contract or statutory questions belong with your counsel. [website terms of use](https://mycontractorsinsurancequote.com/terms-of-use). ## Does MCIQ Review Captive Programs? It can, as a courtesy service when available, as one option for established contractors and developers with credible loss history and capital to commit. A captive review typically starts with a feasibility study of the firm's losses, contracts and structure, and any program is subject to regulatory approval and underwriting. The structures, state rules and fit are explained in our overview of [construction captive programs](https://mycontractorsinsurancequote.com/construction-captive-insurance-programs). ## What MCIQ Does Not Handle This site is limited to project insurance and contract surety. Annual trade policies, such as a contractor's yearly general liability or workers' compensation program, are handled by Gleason Insurance Brokers' main brokerage. Commercial auto, trucks and contractor fleets are handled by Gleason's commercial fleet insurance website. If your request turns out to be one of those, it is routed to the right part of the brokerage rather than turned away. Contractor license bonds as a standalone product, restaurants and personal insurance are also outside this site's scope. [the project coverages this site handles](https://mycontractorsinsurancequote.com/coverages). For contractor trucks, vans and fleets, visit [Gleason's commercial fleet insurance website](https://commercialfleetinsurancebroker.com/). ## Questions Buyers Ask ### Is MCIQ an insurance company? No. MCIQ is a website of Gleason Insurance Brokers, a licensed insurance brokerage. The brokerage places coverage with insurers and bonds with sureties; it does not issue policies or bonds itself. The insurer or surety named on the policy or bond is the party that underwrites and stands behind it. ### Can I get coverage bound by submitting the project form? No. The form starts a review, not a commitment. Coverage begins only when an insurer issues a binder or policy after you accept its terms, and a bond exists only when a surety executes it. Until then, keep any existing coverage in force and do not start work in reliance on a pending quote. ### What if I only need my annual contractor policy or truck insurance? Those needs are handled by other parts of Gleason Insurance Brokers: annual trade programs through its main brokerage and commercial vehicles through its fleet insurance site. Submit here or call 844-978-7283 and the request will be directed to the right place rather than declined. ### Do I need every document before asking for a review? No, but the review can only go as far as the file allows. Send what you have, such as the contract exhibit, budget and schedule. Then say what is still pending. Insurers and sureties may give indications on a partial file, but firm terms usually wait for the complete set. ## Related Decisions - [contact a project broker](https://mycontractorsinsurancequote.com/contact) - [construction insurance resources](https://mycontractorsinsurancequote.com/resources) - [the buyers this site serves](https://mycontractorsinsurancequote.com/who-we-serve) --- Start a quote request: https://mycontractorsinsurancequote.com/get-a-quote · Call 844-978-7283 Contract and insurance reviews are a courtesy service that may be available at times, depending on our workload and on the size, timing and complexity of the project. A review is not guaranteed and is limited to insurance considerations. It is not legal advice and is not a substitute for advice from your own legal counsel, which you may need before signing a contract or obtaining coverage. Insurance and surety services are provided through Gleason Insurance Brokers, LLC. Site information is educational and does not constitute legal advice, a binder, an offer of coverage, a guarantee of eligibility or confirmation of policy terms. Insurance conditions are governed by actual issued policies; surety rights and obligations are governed by bond and indemnity documents.