Operations this guide may include
- Commercial and residential general contracting
- Construction management and project supervision
- Renovation, remodeling, and tenant improvements
- Ground-up building and specialty project work
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- What project types, maximum values, and geographic territory are involved?
- Which trades are self-performed and which are subcontracted?
- How are subcontractors qualified and insured?
- Do projects involve structural work, height, excavation, demolition, or occupied buildings?
Coverage topics to discuss
General liability
Ongoing and completed-operations considerations tied to construction work.
Builders risk
Project property and course-of-construction considerations when contractually required.
Commercial auto
Liability and physical-damage considerations for work trucks and scheduled vehicles.
Contractor equipment
Mobile tools and equipment used at jobsites or while in transit.
Information worth preparing
- Revenue, payroll, subcontracted cost, and project-type breakdown
- Largest current and completed projects
- Vehicle, equipment, and driver schedules
- Sample contracts, subcontractor controls, and loss runs
This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.