Industry · Construction
Insurance for people who build things.
General contractors, specialty trades and developers carry risk that outlives the job. We build programs that answer the owner's contract, the subcontractor's gap and the claim that arrives years after handover.
Exposures
What the program has to answer for.
Five risks we plan around before we approach a single carrier.
- 01
Completed operations
A claim can arrive long after the crew has left the site. Completed-operations coverage responds to injury or damage caused by finished work, so we check that it stays on the policy and for how long.
- 02
Subcontractor gaps
When a sub is uninsured or underinsured, the claim lands on you. We tighten indemnity wording, additional-insured requirements and certificate checks before work starts.
- 03
Builders risk
Materials, temporary structures and the building itself are exposed to fire, theft and weather until handover. Builders risk covers the project while it is still being built.
- 04
Contract insurance demands
Owners and general contractors write minimum limits and endorsements into the contract. We read those clauses first, so the program meets them without paying for more than required.
- 05
Defect and rework claims
General liability generally pays for damage that faulty work causes, not the cost of redoing the work itself. We flag where contractors professional or rework cover may be needed.
Coverage
The covers that carry the weight.
Each card shows how the cover fits into a program.
- General liabilityInjury and property damage claims from third parties.The first layer of your liability tower.
- PropertyBuildings, stock and equipment, plus lost income.The primary layer of a property program.
- Umbrella & excessHigher limits stacked above your primary policies.The upper layers of your liability tower.
- Management liabilityD&O, employment practices and fiduciary cover.A standalone policy with its own D&O tower.
Your brokers
The people on your account.
Questions
Straight answers.
Do I need builders risk if the owner already carries it?
Often the contract decides. If the owner buys builders risk, your policy may only need to cover tools, equipment and your own exposure. We read the contract and confirm who is responsible for what before you sign.
What limits do owners usually ask for?
It varies by project size and owner. A common pattern is a primary general liability limit plus umbrella or excess to reach the number in the contract. We build to the contract requirement and to your own risk.
Does general liability cover my subcontractors?
Not automatically. Subcontractors should carry their own policies and name you as an additional insured. If they do not, claims can come back to your program, which is why we audit sub certificates.
Can you insure a wrap-up project?
Yes. Owner-controlled and contractor-controlled wrap-ups, often called OCIP and CCIP, change who buys the insurance for the project. We coordinate your regular program around the wrap so nothing is doubled or dropped.
Bring us the contract.
Send us the insurance clause from your next owner agreement and we will show you what the program needs to carry.