Insurance exhibit
We identify the parties and activities the contract asks you to insure.
Commercial insurance / San Francisco
Commercial insurance for the jobs you take on.
We arrange insurance for general contractors and specialty trades. We prepare your submission, shop the market, and read the proposals against your scope of work and contract requirements.
Customer references from across our work
Contractors we work with
Insurance for the contractor signing the agreement.
We distinguish the risks you supervise as a general contractor from the work you perform as a trade, and put those details into the submission.
Before mobilization
We read the insurance exhibit before you mobilize.
We compare the insurance requirements written into the construction contract with the coverage actually proposed for the work.
The insurance exhibit read line by line
Owners and general contractors ask for limits, additional-insured status, and completed-operations wording. We check each requirement against the proposal before you sign the subcontract.
Subcontractors counted properly
Who you hire changes both the liability picture and the premium at audit. We record the trades you subcontract and the certificates you collect from them.
Cover that follows the job
Work in progress and completed work are treated differently, and a project can outlast the policy. We check how each proposal responds once the crew has left the site.
Construction coverage
Get cover for your construction business.
We compare the policies covering your liability and workforce with the project property insurance assigned by the construction contract.
Choose a policy to read about
Commercial General Liability
General liability can cover third-party injury and property damage arising from your work. We compare the construction exclusions and endorsements with the projects you take on.
What we check in the quotes
- We reconcile the contracting entity with the named insured.
- We read additional-insured protection for both ongoing and completed work.
- We check whether the proposal includes a requested per-project aggregate.
- We flag residential, height, or excavation restrictions that affect your scope.
Builders Risk
Builders risk can insure physical damage to a construction project and its materials. We check who must arrange it and seek terms for the property assigned to your responsibility.
What we check in the quotes
- We identify cover for existing structures as well as new work.
- We examine off-site storage and transit terms for project materials.
- We explain theft and water-damage conditions, including flood and earthquake treatment.
- We check when cover ends and how occupancy or delays affect that date.
Workers Compensation and Employers Liability
Workers compensation addresses employee work-related injuries. We help describe your crew’s duties and payroll accurately, request terms, and review the employers liability portion of the proposal.
What we check in the quotes
- We describe the duties behind each construction activity.
- We work with you to update payroll estimates for the current workload.
- We identify supplied-labor and subcontractor arrangements in the submission.
- We check contract requests for waivers of subrogation.
Our policy review
We check the terms behind the certificate.
The certificate records insurance information; the policy determines coverage. We read the forms behind it and explain whether the wording addresses the owner or general contractor’s insurance request.
Endorsements
We check the proposed endorsements for the requested protection.
Current policy
We flag restrictions affecting the construction work you perform.
Get the insurance moving before the job starts.
Tell us about the next project or renewal. We will help establish the requirements and get the insurance submission underway.
From submission to recommendation
We handle the insurance work around the job.
You explain the work. We prepare the account for the market and take the proposals through a detailed comparison.
We build the submission
We establish the work you perform and subcontract, then assemble the project and payroll details needed to request terms.
We seek the options
We approach the market with your account and handle the follow-up on construction activities and contract requirements.
We explain our recommendation
We compare premiums with the forms and endorsements, explaining which option we recommend and which conditions still need attention.
When the project changes
Tell us when the work moves beyond the original scope.
- A revised scope
- We identify the insurance implications of added construction activities.
- A later finish
- We check the project policy’s end conditions when completion dates move.
- A larger crew
- We help update the payroll description as you add crews or new work.
Before you ask for a certificate
Construction insurance questions we work through.
See how certificates, additional-insured endorsements, and project property cover apply to common contractor requirements.
Does a certificate add the protection requested by an owner?
A certificate reports insurance information; it does not amend the policy. If an owner requests additional-insured protection or other wording, we compare that request with the actual policy endorsements. Naming a certificate holder does not by itself provide additional-insured status.
Why review completed operations separately?
An allegation can involve work that has already been handed over. A contract may request additional-insured protection for both ongoing work and completed operations, but the endorsement addressing one does not necessarily address the other. We check the scope and duration of both provisions when comparing contractor liability quotes.
Who should arrange builders risk for the project?
The construction agreement is the starting point for identifying who has that responsibility. Then confirm whose interests and which property the actual policy includes. We examine an owner-arranged policy for contractor obligations, deductibles, and property outside its scope.
Fort Mason
Completed work still belongs in the insurance account.
Contractors in San Francisco can finish an installation and move to another job while the first subcontract still requires completed-operations cover. We include those obligations when shopping your liability insurance. We check the proposed endorsements for both the work underway and the work already handed over, so your renewal accounts for more than the next certificate request.