Coverage Highlights

Basis of Coverage
Occurrence or claims-made policies for risks that are less than $25 million in sales/construction costs

Coverage Amounts

• $1 million per occurrence
• $2 million general aggregate
• $2 million products aggregate
• high-limit general liability options available up to $10 million occurrence limit

Key Coverage/Endorsements Available

• Blanket additional insured (including completed operations for select risks)
• Waiver of subrogation
• Primary/noncontributory wording
• Per-project aggregates
• Employee benefits liability
• Stopgap coverage
• Garagekeepers coverage
• Various subcontractor warranties depending on individual risk characteristics
• Supported excess coverage or high-limit GL on primary policy
• Residential construction appetite can include tract, condo, and townhomes (varies by operation and geographic location)

Specialty Construction

• Owner’s interest policies
• Discontinued operations
• Unsupported excess policies/high-limit excess

Appetite & Availability

Commercial and Residential Contractors

• Artisan trade and subcontractors
• General contractors – Project-specific, including extended completed operations to cover statute of repose
• Owners interest/GC combination
• Paper GCs
• Construction managers
• Designer-led/design/ build
• Masonry
• Waterproofing
• Interior build-outs/ renovations
  – Service contractors – Equipment install and repair
  – Expanded appetite on new residential construction
• Plumbing
• Electrical
• Demolition
• HVAC contractors
• Custom homebuilders
• Cell tower (erection, service and repair)
• Pool installation

Industrial Contractors

• Boiler and tanks
• Cable/power lines and general utility
• Contractors/farm equipment
• Demolition (except New York)
• Drilling – water, gas and geothermal
• Excavation
• Metal erection
• Painting
• Pipeline construction
• Plumbing
• Welding
• Sewer, gas and water mains (except New York)
• Street and road (except New York)

Additional Information

Send submissions to [email protected]