General Construction & Custom Builders
Specialized coverage for firms handling complex multi-phase construction and residential developments.
Operational Risk Profile
General construction and custom home building involve multi-layered operational risks due to the scale of projects and the coordination of multiple subcontractor tiers. Primary exposures include structural defect allegations, third-party bodily injury on active sites, and “action-over” lawsuits. Extended project timelines also leave raw materials and incomplete structures exposed to severe weather, theft, vandalism, and structural collapse prior to client handover.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Commercial General Liability (CGL)
Necessary to protect against third-party bodily injury and property damage claims, including completed operations coverage for construction defect claims.
Builder’s Risk (Course of Construction)
Required to safeguard the physical structure, temporary structures, and materials on-site, in transit, or at temporary storage locations against fire, wind, and theft.
Contractual Risk Transfer & Umbrella Liability
High-limit Excess Umbrella policies are standard requirements to meet institutional developer contracts, paired with strict Additional Insured and Waiver of Subrogation endorsements from all subcontractors.
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