{"id":904308,"date":"2025-05-01T15:15:44","date_gmt":"2025-05-01T21:15:44","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=904308"},"modified":"2025-05-01T15:15:48","modified_gmt":"2025-05-01T21:15:48","slug":"insurance-considerations-for-construction-projects","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/insurance-considerations-for-construction-projects\/","title":{"rendered":"Insurance Considerations for Construction Projects"},"content":{"rendered":"\n<p>Christopher Sweeney | <a href=\"https:\/\/www.connkavanaugh.com\/articles-and-resources\/insurance-considerations-for-construction-projects\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Conn Kavanaugh<\/a><\/p>\n\n\n\n<p>If you\u2019ve ever retained a home-improvement contractor, you\u2019ve almost certainly received enthusiastic assurances that he or she is \u201clicensed and insured.\u201d But what exactly does that mean the context of a construction project? What varieties of <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/owners-professional-and-protective-indemnity-insurance\/\">insurance coverage should contractors have<\/a>, and in what amounts? Do you as the homeowner have rights under your contractor\u2019s policies, and if so, how do you exercise them? And for the contractors out there, what should be on your mind as you ponder your risk-management program? Read on to find out.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Types of Construction Insurance<\/h4>\n\n\n\n<p>Construction projects are multifaceted, and so are their insurance needs. Each type of insurance plays a role in risk management, addressing specific potential liabilities. Whichever side of the project you are on, it is important to understand the nuances of each coverage.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Commercial General Liability:\u00a0<\/strong>No construction professional\u2019s insurance portfolio is complete without commercial general liability (\u201cCGL\u201d) coverage. In a nutshell, CGL policies cover liability arising out personal injuries and property damage on the job site. So, if someone \u2013 e.g., a subcontractor, the homeowner, etc. \u2013 gets hurt on site or the contractor\u2019s operations damage the owner\u2019s existing property, the contractor\u2019s CGL carrier should cover the injury or loss. It is important to note, however, that CGL policies rarely, if ever, cover poor workmanship. Instead, the contractor typically must bear the cost of correcting its own deficient work. Likewise, CGL policies usually do not cover the fixtures, materials, and equipment to be installed on the project.<a href=\"https:\/\/www.connkavanaugh.com\/articles-and-resources\/insurance-considerations-for-construction-projects\/#_ftn1\">[1]<\/a><\/li>\n\n\n\n<li><strong>Workers\u2019 Compensation:\u00a0<\/strong>In most states, including Massachusetts, employers must carry workers\u2019 compensation insurance.<a href=\"https:\/\/www.connkavanaugh.com\/articles-and-resources\/insurance-considerations-for-construction-projects\/#_ftn2\">[2]<\/a>\u00a0As the name suggests, workers\u2019 compensation policies generally cover jobsite injuries to the insured\u2019s own employees. Thus, it often works in tandem with CGL coverage, except unlike CGL coverage \u2013 which applies to all (or nearly all) project-related injuries \u2013 workers\u2019 compensation coverage applies only to the insured\u2019s own employees.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><a href=\"https:\/\/www.connkavanaugh.com\/articles-and-resources\/insurance-considerations-for-construction-projects\/#_ftnref1\">[1]<\/a>&nbsp; See the section below on builder\u2019s risk insurance.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.connkavanaugh.com\/articles-and-resources\/insurance-considerations-for-construction-projects\/#_ftnref2\">[2]<\/a>&nbsp;One notable exception: Members of a limited liability company, partners of a limited liability partnership, and sole proprietors of an unincorporated business are not required to carry workers\u2019 compensation coverage for themselves.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Professional Liability:<\/strong>\u00a0In the construction context, professional liability insurance usually covers losses arising out of professional malpractice claims. For example, it would cover a claim for losses caused by a structural engineer\u2019s miscalculation of a building\u2019s snow load. Professional liability insurance typically is available only to those engaged in professional services, as that term is defined under the policy. Usually, this means architects, engineers, and other design professionals, not general contractors and their subcontractors. But be careful. It is the nature of the work performed, not the entity performing the work, that determines whether professional liability insurance is needed. So, a general contractor that sometimes performs professional design work \u2013 either itself or under an agreement with another entity on a design-build project \u2013 can and should have professional liability coverage.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Builder\u2019s Risk:\u00a0<\/strong>Builder\u2019s risk insurance policies fill a gap left by most CGL policies. Namely, while CGL policies typically exclude damage to the materials, fixtures, and equipment the contractor has installed or plans to install, builder\u2019s risk policies cover these losses against certain enumerated perils, including fire and vandalism. So, if an overnight fire rips through a structure and destroys boxes of hardwood flooring slated to be installed the following day, builder\u2019s risk insurance would cover the cost of replacing the lost flooring. Note, however, that builder\u2019s risk coverage remains in effect only while the project is ongoing. After completion, the owner\u2019s property insurance should pick up where the builder\u2019s risk coverage leaves off.<\/li>\n\n\n\n<li><strong>Excess Liability:<\/strong>\u00a0Excess or umbrella liability policies provide an additional layer of coverage over and above a contractor\u2019s or design professional\u2019s primary insurance policies. Thus, if a contractor\u2019s CGL policy has, say, a limit of, say, $1 million, per occurrence, an excess policy may provide several million in addition coverage after the initial $1 million has been exhausted. This extra coverage can be considered critical for larger projects or for projects involving inherently dangerous activity (e.g., removing hazardous waste).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Considerations for Project Owners<\/h4>\n\n\n\n<p>Understanding the types of available insurance is only half the battle, though. Project owners also would be well advised to do the following.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Evaluate Project-Specific Risks:\u00a0<\/strong>No two construction projects are the same. To determine which insurance coverages are needed and in what amounts, owners should carefully evaluate projects on a case-specific basis. For larger or more complicated projects, more insurance, including excess policies, may be appropriate.<\/li>\n\n\n\n<li><strong>Understand Policy Limits and Exclusions:\u00a0<\/strong>A policy\u2019s \u201climits\u201d are the carrier\u2019s maximum exposure for a covered event. Generally, policies include two limits: a per occurrence limit for any single event and an aggregate limit for all occurrences over a single policy period (typically one year). Thus, a CGL policy may have $1 million limit for each discrete, insurable event and a $2 million aggregate limit for all losses over the policy period.<\/li>\n\n\n\n<li><strong>Insist on Contractually Mandated Coverages:<\/strong>\u00a0All construction contracts should specify the types and limits of insurance the contractor must carry for a particular project. The contractor also should guarantee by contract that its subcontractors will carry the same or similar insurance programs.<\/li>\n\n\n\n<li><strong>Factor in Additional Insured Provisions:\u00a0<\/strong>Additional insured endorsements extend a policy\u2019s coverage from the named insured (i.e., the contractor procuring the coverage) to other entities with an interest in the project (i.e., the owner, engineer, etc.). Generally, this provides the owner with the same rights as the contractor to report claims, demand a legal defense, and receive indemnification against covered losses.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Considerations for Contractors<\/h4>\n\n\n\n<p>From the contractor\u2019s perspective, the following is advisable:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Work With a Broker:\u00a0<\/strong>Not sure what your insurance needs are on a project-specific basis? Check with an experienced insurance broker. An insurance broker will understand your business and its risks and will recommend appropriate policies and limits for the work you intend to do. Don\u2019t rely on guesswork when it comes to risk management.<\/li>\n\n\n\n<li><strong>Understand Your Contract:<\/strong>\u00a0As discussed, a contractor\u2019s insurance requirements generally are described in its construction contract. Although contractual insurance provisions may make your eyes glaze over, do not ignore them. If you have questions about what is required, call your broker. Or your lawyer!<\/li>\n\n\n\n<li><strong>Maintain Adequate Limits:\u00a0<\/strong>You should regularly review coverage limits to align with project risks. As your business grows and the complexity of your projects increases, consider upping your policy limits to be commensurate with the level of risk you have taken on.<\/li>\n\n\n\n<li><strong>Implement Safety Protocols:\u00a0<\/strong>Stringent safety measures not only mitigate risk but may also lower insurance premiums. Generally, fewer and smaller claims will result in lower insurance costs.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Common Issues<\/h4>\n\n\n\n<p>Although this primer never could address the myriad insurance-related issues that may present on a construction project, the following should be kept in mind:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Prompt Reporting:\u00a0<\/strong>Most insurance projects require prompt reporting of potential claims as a precondition to coverage. If the carrier can show that its insured delayed in reporting a claim and that the carrier suffered resulting prejudice \u2013 for example, lost opportunity to investigate the claim and\/or control the insured\u2019s defense \u2013 it may deny the claim, leaving the insured to cover the losses out of pocket. The solution? If there is any doubt about whether an occurrence gives rise to a covered claim, make the report. If the claim never matures, the claim can be closed easily enough. Better safe than sorry.<\/li>\n\n\n\n<li><strong>Coverage-Related Disputes:\u00a0<\/strong>If the carrier wrongfully denies your claim, be prepared to fight for your rights. Insurance policies are considered binding contracts, and as with any other contract, there are consequences if the carrier declines to honor its end of the bargain. In addition to standard contractual remedies, many states have enacted statutes imposing stringent standards for evaluating insurance claims and prescribing serious consequences for carriers who engage in bad-faith claims handling.<strong>\u00a0<\/strong><\/li>\n\n\n\n<li><strong>Certificates of Insurance:\u00a0<\/strong>A certificate of insurance is a summary of an insured\u2019s insurance program. It typically identifies the insured\u2019s policies, the limits of those policies, and the effective dates of the policies. Many construction contracts require the parties to share insurance certificates upon request or at various intervals as proof that contractual coverage requirements have been met and maintained.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Conclusion<\/h4>\n\n\n\n<p>Don\u2019t chance it. Speak with a broker; get insurance; understand your coverage; and don\u2019t sleep on your rights. And if you have any questions about what your rights are, call your lawyer. Again, don\u2019t chance it.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Christopher Sweeney | Conn Kavanaugh If you\u2019ve ever retained a home-improvement contractor, you\u2019ve almost certainly received enthusiastic assurances that he or she is \u201clicensed and insured.\u201d But what exactly does that mean the context of a construction project? What varieties of insurance coverage should contractors have, and in what amounts? Do you as the homeowner&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/insurance-considerations-for-construction-projects\/\">Continue reading <span class=\"screen-reader-text\">Insurance Considerations for Construction Projects<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[10721],"tags":[9895,22,23],"class_list":["post-904308","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-advise-consult","tag-insurance","tag-insurance-coverage","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance Considerations for Construction Projects - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"What varieties of insurance coverage should contractors have, and in what amounts? 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