Insurance for General Contractors
General contractors coordinate the delivery of construction projects. Their role includes managing subcontractors, scheduling work, and overseeing site activity.
Exposure is tied to how work is executed and how responsibilities are managed across the project. Site conditions, subcontractor performance, and trade coordination can all influence outcomes. We review how your operations are structured before making any recommendation.
Where Risk Shows Up in General Contracting Work
Site Activity & Safety
Construction sites involve ongoing physical work. Incidents involving injury or property damage may arise during day-to-day operations.
Subcontractor Management
General contractors rely on subcontractors to perform work. Responsibility can become unclear when issues involve multiple trades.
Scheduling & Coordination
Project timelines depend on sequencing and coordination. Delays or disruptions can affect multiple parties.
Workmanship & Project Delivery
Questions may arise around how work is completed or how issues are addressed during and after construction.
The Stack Most General Contractors Carry.
Design work usually needs contractors professional liability on top of GL. Public work usually needs surety bonds.
Hover a layer to see what it covers. Every firm is different, so treat this as a starting point.
Carriers Don’t Always Understand What You Do.
Contractors who also design or consult carry a professional exposure that a standard contractor policy often excludes.
When the work is misread
- Design and consulting work excluded on a contractor’s general liability policy
- Design-build work with no professional coverage
- Additional insured and waiver wording that does not match the contract
- Subcontractor requirements left unchecked
How we submit your firm
- Your design and consulting work described separately from building
- Contractors professional liability where it fits
- Certificates and endorsements matched to each contract
- Subcontractor requirements reviewed with you
Rated 5.0 on Google by Architects, Engineers and Design Firms.
Where Process and Expectations Diverge
Subcontractor work that leads to a claim, site incidents where responsibility is shared, contract requirements not reflected in policy structure.
Questions We Hear From General Contractors.
Contractors ask about certificate wording from general contractors, design work under build contracts, and bonds for public jobs.
Answers are general. Your policy and your contract always control.
Ask yours on a 15-minute callThe GC wants additional insured for ongoing and completed operations.
Very common. The completed operations part matters because claims often come after the job. Many general liability policies include blanket wording when a written contract requires it. We check your endorsements before the certificate goes out.
We do some design under our build contracts. Is that covered?
General liability usually excludes professional services. Contractors professional liability covers design and design-assist work you do or subcontract.
A contractor wants workers' comp even though I have no employees.
This is common when you do site work for a builder. Many contractors will not accept an owner-only exemption. A policy that covers you as the owner, with a waiver of subrogation if the contract asks for one, usually solves it. State funds and private carriers differ on what they can add, so we compare both.
The public job needs a bond.
Bid, performance and payment bonds are underwritten on your finances and experience. Start early, because the first bond takes the longest.
Straight Answers
Not sure how your firm was classified?
Send us your current policy or application. We’ll tell you how your work reads to an underwriter.
Review My CoverageTell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.