Coverage for General Contracting Operations
Structured around how general contractors manage projects, subcontractors, and site activity, and how risk presents across that work.
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 Exposure Tends to Arise
How Risk Typically Presents 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
Expeditors interact with architects, engineers, and owners. Differences in information or responsibility can affect the process.
What We Place
Coverage Typically Considered for Permit Expeditors
Coverage is considered based on how your firm practices, how your contracts are structured, and the types of projects you take on. All coverage is subject to the terms, conditions, and limitations of the policy as issued.
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Commercial Auto
For vehicles owned, leased, or used by the business.
Workers' Compensation
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Excess Liability
Extends the limits of a single underlying policy without changing its terms.
Builders Risk
Responds to physical loss or damage during construction. Standard property policies typically exclude this phase.
Contractors Professional Liability
Helps address professional services exposure for contractors, including standalone consulting, construction management, design coordination, value engineering, and design-build work
Worth Reviewing
How Agreements Allocate Risk
General contracting agreements define responsibility for site safety, subcontractors, and project delivery. These terms influence how exposure is assigned across the project.
Insurance requirements such as additional insured status, waiver of subrogation, and specified limits are worth reviewing against your actual policies.
The Process
How We Approach It
From initial conversation to structured recommendation, every step is deliberate.
Step 1
Understand Your Operations
We review the types of projects you take on, how work is performed, and how subcontractors are managed.
Step 2
Review Existing Coverage
We look at current policies, including limits, exclusions, and structure, against how your operations run.
Step 3
Align Coverage and Contracts
We consider how your coverage supports your contractual obligations and project roles.
Common Gaps
Where Process and Expectations Diverge
Challenges often arise where roles overlap or expectations are not fully aligned. Subcontractor work that leads to a claim, site incidents where responsibility is shared, contract requirements not reflected in policy structure.
Coverage that appears sufficient at a high level may not reflect these details.
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Want to See How Your Program Holds Up?
Tell us about your firm and the work you take on.
We'll take a look and share what we find.