What we do for construction clients.
General contractors, construction managers, and the full range of trades — from concrete and steel to MEP, interiors, and specialty work.
Construction risk is unforgiving: contract requirements, additional insured wording, and limits all have to line up before you can break ground. We make sure they do.
How the program comes together.
General Liability (GL)
Primary CGL with per-project aggregates, additional insured wording, and blanket AI options — structured for subcontractors, GCs, and construction managers.
Builders Risk
Project-specific or blanket builders risk, plus contractors' equipment, installation floaters, and tools coverage for every phase of construction.
Owners Interest
Course of construction coverage protecting the project owner's investment — including hard costs, soft costs, and delay in completion for ground-up and renovation projects.
Owners & Contractors Protective Liability (OCP)
OCP coverage for project owners when your GL doesn't extend far enough — often required on public and institutional jobs.
Workers' Compensation
Class-coded correctly, audited carefully, and placed with carriers that understand construction payroll and experience rating.
New York Labor Law Coverage
Specialized coverage for NY Labor Law 240(1) and 241(6) exposures — critical for any construction work in New York State.
Action Over Coverage
Protection against third-party-over claims where injured workers sue upstream — a critical gap in standard GL for construction.
And more
Pollution liability, professional liability, contractor's equipment, inland marine, surety bonds, and wrap-up programs — whatever your contract demands, we can place it.
We read your contracts before we quote. Additional insured, waiver of subrogation, primary & non-contributory — all confirmed in writing before you sign.