We Construct

Name: Olson Duncan
Rating: 5

Policies that Address Your Risks

The Construction Insurance Specialists

Olson Duncan has the tools and talent to properly insure and manage the risks of the construction industry – from builders to designers, general contractors, and trade specialists. In addition to our top-tier markets and product solutions, our staff continually maintains the latest contractual insurance requirements to ensure you are well protected when signing on the dotted line for your next project. We will help you identify the risks associated with your projects and ensure the policy terms and limits are adequate to cover potential losses.

Construction Insurance You Need

Several key coverages make up a total insurance solution for the construction industry, including:

Commercial General Liability (CGL) Policy: Provides coverage for bodily injury and property damage to a third party. It is important to note that a CGL policy does not cover the cost of repairing defective work; only damage results from that defective work.
Contractor’s Pollution Coverage: Covers third-party claims for bodily injury and/or property damage and cleanup and remediation costs associated with pollution incidents resulting from your covered operations as a contractor. This type of policy is most useful to contractors involved in paving, infrastructure, maintenance, mechanical, demolition, industrial, excavation, grading, HVAC, carpentry, and pipeline and tank installation.
Builder’s Risk: Protects you from specific exposures while a building is under construction. Typically, construction contracts require the owner or the general contractor to purchase a Builder’s Risk policy that names the owner, the general contractor, and the subcontractors as insureds. A Builder’s Risk policy can cover both the structure itself and materials, whether they are already on site or waiting to be installed or transported to the job site. These policies are usually written for specific terms of duration and will provide coverage from various events, most commonly fire, wind, theft, lightning, hail, explosion, and vandalism.
Umbrella Liability Coverage: Provides coverage for amounts above the limits under primary Liability policies.
Workers’ Compensation: Protects one of your most valuable assets – your employees if injured while on the job. Takes care of employee medical bills, rehabilitation, and lost wages up to a certain amount.

We also provide many other coverages as part of a complete insurance portfolio for contractors, including Property, Contractor’s Equipment, Installation Floater, Railroad Protective Liability, Employment Practices Liability, etc. In addition, we can assist you with your bonding requirements and needs.

It’s a Wrap

Larger construction projects are complex, with the owner and general contractor facing a host of unpredictable variables. For potential financial advantages, coverage enhancements, collective coverage uniformity, and coordinated claims handling, a Wrap program is available. The program provides General Liability and/or Workers’ Compensation and Excess/Umbrella insurance for all participating contractors on a construction project under one primary insurance policy – from the project’s construction phase to its completed operations phase.
A Wrap program can also provide continuity of coverage after a project is completed, which is critical as the potential for liability remains. Our staff will discuss the benefits of this approach and whether it’s right for you and your projects.

Looking at Risk from All Angles

Olson Duncan also offers critical risk management services, including safety programs and loss control, experience modification management, HR services, and claims management through our carrier and consulting partners. We aim to help you mitigate your risk and minimize your losses for healthier profits.

      
 Excellent5.0146 reviews
 5.0
 Excellent146 reviews
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   JeanVictor Mackie 
 4 June 2025
 
 
 Trustindex verifies that the original source of the review is Google.  My name is Lady Mackie and my journey with Olson Duncan began in March/April of 2024.  I was in a very tumultuous relationship with my previous broker of 10 years.  It was Horrendous with a capital T!  There's no T in horrendous?  Well there should be.  Anyway my broker would not return my calls; my insurance was being cancelled; the insurance company would NOT help me; the Regional Center ( side bar:  My company teaches Developmentally Disabled Adults how to live in society), whom I received contracts from for the past 34 years had not paid me in 9 months..? Needless to say I was in a fight and my Faith was being tested. I asked God for help and in rode Andrew Padilia.  On a white horse?  I don't know.  What I do know is that he helped me to get a new broker, straighten out my insurance and this was all within a span of 5 months.  He could have done like others did and not assist me.  But he DID!  He was patient, KIND and funny.  We are very HAPPY 2 have made Andrews acquaintance and we look forward to a LONG & Prosperous relationship with you. Sincerely, Lady with an L
  
 
 
      
   Donte McDaniel 
 11 September 2023
 
 
 Trustindex verifies that the original source of the review is Google.  As a new business owner, I have alot of questions and request. Dustin and Lynn not only help me get things done, they help get what I need FASST. Like within 20 minutes I get an answer which is awesome! Update: A year of full support from Lynn! She continues to provide quick responses and support.
  
 
 
      
   Richard Davis 
 24 May 2023
 
 
 Trustindex verifies that the original source of the review is Google.  Dusty Olson and his support team have always and consistently performed exceptional professional advocacy on my behalf! He goes above and beyond expectations in providing competitive insurance premiums.  He gives wise counsel in what my options are and great insight in how I can best protect my business assets. He does what he says he will do!  He communicates well and often during the process.  I never had to pursue him! I highly recommend Dusty Olson and the Duncan Olson Agency! Competitive pricing, integrity and honesty, combined with great work ethic and knowledge!
  
 
 
      
   Christiane Maertens 
 22 May 2023
 
 
 Trustindex verifies that the original source of the review is Google.  I absolutely love working with the team at Olson Duncan Insurance Agency! Dusty, the owner, and his team are highly competent and efficient and make the insurance process enjoyable. I trust them wholeheartedly with my companies and have consistently received outstanding service. You will be so happy you chose them!
  
 
 
      
   Arthur Dawson 
 20 May 2023
 
 
 Trustindex verifies that the original source of the review is Google.  We switched our homeowners and auto policys to Olson/Duncan a few years ago and were so impressed with the service that we switched our business policy as well. I received an email from Desire a few months ago out of the blue about how to save more money on our auto policy.  I gave her the information and received a refund check for $182.00 a few weeks later. She is just the best!  Dan has been a big help as well handling our business liability problem. And, any time I call them, a human being answers the phone rather than those frustrating automatic systems.    If I have a question, they have always called back promptly.  I give them five stars for service. Anne and Arthur Dawson
  
 
 
      
   Patrick W Cowley 
 19 May 2023
 
 
 Trustindex verifies that the original source of the review is Google.  Desiree Love! Desiree Love: excellent customer service, professionalism, dedication to clients and passion for her profession. I'm so thankful that I have Desiree as my insurance agent at Olson Duncan. Desiree is not simply highly knowledgeable in all insurance matters, Desiree genuinely cares about her clients. Talking to Desiree is like having a conversation with a dear friend who cares about you, your well being, and your future. I am thankful that Desiree has the flexibility to able to work over the phone so that she may live where she chooses allowing her to be close to her family who she loves very much and spend lots of quality time with them. There have been times when I needed Desiree's help and she was always there for me, and if she was away, she returned my message promptly! Desiree is always very kind, friendly, personable, compassionate, making every opportunity to speak with her an absolutely pleasure as she my and my family's best interests at heart and is dedicated to helping her clients. The reception staff at Olson Duncan is really great too, always friendly and very helpful.
  
 
 
      
   Sharon Cowley 
 19 May 2023
 
 
 Trustindex verifies that the original source of the review is Google.  We have been with Olson Duncan for 11 years and Desiree Love has been helping us for the past 8 years.  Desiree Love deserves a 5 star rating due to her expertise in the insurance industry and her dedication to customer service.
  
 
 
      
   Robin Naversen 
 19 May 2023
 
 
 Trustindex verifies that the original source of the review is Google.  Robin has been my Mercury Ins agent for over 3 decades – yes I said, ‘decades’.   She has provided the most excellent consistent service for me over this period, which has not been an easy feat, as you could image.  She has kept an eye out for me when I had three different pipes burst in the walls of my house over a period of a year.  She has walked me through any claim instances with ease.  And most recently had tremendous support for a check fraud situation with two banks over my insurance payment being stolen.   She has always handled any situation with the most detailed and unequivocable professionalism.   I sincerely appreciate her and she is the reason why I have remained a customer with your agency for over three DECADES.   Posted for Debbie M
  
 
 
      
   Karen Jager 
 19 May 2023
 
 
 Trustindex verifies that the original source of the review is Google.  Desiree provides excellent service.  She is very knowledgeable and I value her advice when making my insurance decisions.  Robin, Nedi, and SueAnne also provide outstanding service.  I enjoy working with the entire personal lines department!
  
 
 
      
   Angelica De Ocampo 
 19 May 2023
 
 
 Trustindex verifies that the original source of the review is Google.  My husband used Olsen Duncan Services for about 15 + years. Once we married, I’ve become a fan as well.  Mostly due to our agent Robin Naversen. She is the best!  She takes care of all our insurance needs for our Autos and properties. Also, if I ever travel outside of the country she’s always ready to provide me with what I need as I’m on the go. She always returns calls or responds to any questions we have through email and/or needs assistance right away. That is the service we require and receive 😊 Angelica and Cletus Zastrow
  
 
 
      
   Joseph Gussman 
 19 May 2023
 
 
 Trustindex verifies that the original source of the review is Google.  For over a decade the agents at Olson Duncan Insurance, have made running businesses much easier.  They handle several forms of insurance over several types of businesses for me.  It's a tremendous service they provide.
  
 
 
      
   Brian S 
 19 May 2023
 
 
 Trustindex verifies that the original source of the review is Google.  Robin Naverson at Olson Duncan Insurance Services has always been a pleasure to do business with.  I haven't been able to find better rates or service anywhere else. I would not hesitate to give them a call if you are looking to save money on insurance.
  
 
 
 
 
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Our Value

At Olson Duncan, we aim to provide clients a total solution, not simply a quote or an insurance policy. With us, you get real value and a long-term relationship based on trust. We would love to get to know you and answer any questions.
To learn more about how we can help you, please call our team at

(310) 373-6441