General Contractor Business Insurance

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.

Builder's 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.

Underwriting intelligence

Contractor and builder's-risk underwriting intelligence

Contractor submissions should separate ongoing operations, completed work, subcontracted cost, project size, construction type, jobsite controls, contractual requirements, and project-property exposure.

Revenue and subcontracting

Annual receipts, payroll, subcontracted cost, self-performed trades, subcontractor certificates, written agreements, and hold-harmless/additional-insured requirements.

Project profile

Residential/commercial split, new construction versus renovation, maximum project value, largest annual job, height/depth, structural work, hot work, excavation, and occupied-building work.

Builder's risk project facts

Project address, total completed value, hard/soft costs, construction type, start/completion dates, existing structure value, renovation scope, site security, water/fire protection, and catastrophe exposure.

Completed operations

Years in business, warranty practices, prior completed work, subcontractor retention, quality control, and claims involving water intrusion, structural damage, or defective work allegations.

Equipment and auto

Owned/rented equipment, cranes/lifts, tools, trailers, work trucks, driver controls, and inland-marine requirements.

Documents that make the submission usable

Five-year loss history when available
Current declarations
Revenue/payroll/subcontracted-cost breakdown
Sample subcontract
Project list with values
Builder's-risk construction budget and schedule for project-specific requests

Loss-control evidence underwriters can evaluate

Written subcontractor qualification
Certificates and contract review
Jobsite safety documentation
Hot-work/water-damage controls
Site security and material protection
Quality-control and punch-list procedures

Common submission gaps

Subcontracted cost omitted or understated
Maximum project value not disclosed
New-build and renovation work not separated
Builder's-risk soft costs and existing property omitted
Contract insurance requirements not provided

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

Priority state research

Explore where this operation is getting the most focused research.

These state guides are intentionally limited to a small set of high-priority markets so the research path stays useful and crawlable instead of becoming a directory of every possible variation.