Who we can help
A closer look at your exposure.
General contractors, road and paving contractors, homebuilders, civil contractors and infrastructure businesses.
Contract requirements can change from one project to the next. Subcontracted work, excavation, heavy equipment, completed operations and work near existing structures each need a deliberate review.
What to discuss with your broker
Liability & completed work
Review third-party injury and property damage exposures, subcontractor arrangements and completed operations.
Equipment & tools
Consider owned, leased and rented equipment, tools in transit and equipment working away from your premises.
Project protection
Coordinate builders risk, installation coverage and the interests of owners, lenders and contractors.
Contractual requirements
Review insurance schedules, additional insured requests, wrap-up participation and any bonding requirements.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Operations, trades, annual revenue and payroll
- Current projects, contract values, locations and completion dates
- Equipment schedule, subcontractor use and risk controls
- Current policies, loss history and the contract insurance schedule
A question worth asking
Does my annual policy cover every project?
Project terms, locations and types of work can fall outside an annual policy. Send the project contract and scope of work to your broker before starting so they can identify any additional insurance needed.