Insurance by Project Type
Claims follow the kind of building as much as the kind of firm. Insurance applications ask for your revenue by project type for a reason. Here is how each one changes the picture.
Condominiums & MultifamilyCondo and apartment work is priced separately, and some carriers limit it.Read more →Custom Homes & SubdivisionsHomeowners, tight budgets and soils. Residential work has its own claim patterns.Read more →Healthcare FacilitiesOccupied buildings, life safety and systems that cannot go down.Read more →Schools & UniversitiesPublic owners, fixed opening dates and long building lives.Read more →Public & Government ProjectsAgency contracts, broad indemnity and public scrutiny.Read more →Bridges, Roads & TransitHeavy public use, high limits and crash litigation.Read more →Water & WastewaterPermits, public health and pollution exposure.Read more →Industrial, Energy & PlantsRefineries, pipelines, mines and plants, where downtime drives claims.Read more →High-Rise & Mixed-UseBuildings over 15 stories, complex structures and many owners.Read more →Hospitality, Retail & CommercialOpening dates, tenant fit-outs and brand standards.Read more →Parking Structures & GaragesExposed concrete, water and salt. Garages age faster than other buildings.Read more →Sports, Arenas & Entertainment VenuesCrowds, rigging and tight event schedules.Read more →Senior Living & Care FacilitiesFrail residents, licensing and buildings that are home and healthcare at once.Read more →Justice & Correctional FacilitiesSecurity systems, public owners and buildings that cannot fail open.Read more →Museums, Libraries & Cultural BuildingsIrreplaceable collections and tight environmental control.Read more →Dams & LeveesCatastrophic downstream exposure. Some carriers exclude it.Read more →Marine, Ports & WaterfrontPiers, wharves, seawalls and offshore work.Read more →Airports & Passenger TerminalsOperating airfields, federal standards and passenger volume.Read more →Power Generation & UtilitiesPlants, substations and transmission, where outages and wildfires drive claims.Read more →Nuclear FacilitiesStandard policies exclude nuclear. It needs specialized placement.Read more →Warehouses, Logistics & Manufacturing BuildingsSlabs, racking, docks and fire protection for high-piled storage.Read more →Data CentersUptime is the product. Power and cooling cannot fail.Read more →Tunnels & Underground WorkGround conditions, settlement and differing site conditions.Read more →
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