Coverage / construction
Read the policy beside the project contract.
Liability, project property, and employee injury belong in the same discussion. Each responds to a different part of the job.
Commercial General Liability
Start with third-party injury and property damage arising from the construction work. Then examine the conditions attached to the work you actually perform.
Who could be injured, or whose property could be damaged?
A job can create liability while crews are on site or after the finished work has been handed over. The review should separate those periods and identify restrictions on the type of construction, subcontracted operations, or location.
For a renovation beside occupied space, discuss damage to neighboring property and injury to people using the building. Do not treat a general liability policy as a warranty for repairing defective work.
Details to put on the review list
- Match the named insured to the contracting business.
- Read ongoing and completed-operations additional-insured wording separately.
- Compare per-project aggregate requests with the endorsement provided.
- Identify residential, height, excavation, or other operation restrictions in the actual proposal.
Builders Risk
Examine physical damage to the project and materials during construction. Agree who arranges the policy and which property is included before relying on it.
What happens to the work before handover?
The construction contract may allocate project property insurance to the owner or the contractor. That allocation needs to be checked against the policy, including the completed value, project dates, insured interests, and any existing building.
Finish materials awaiting installation and an occupied portion of an existing building can present different coverage questions. List each property interest instead of assuming the project address includes everything there.
Details to put on the review list
- Separate new work from the existing structure on a renovation.
- Locate conditions for materials in transit or stored away from the job.
- Read flood, earthquake, water-damage, and theft terms individually.
- Check the effect of partial occupancy, acceptance, or an extended schedule.
Workers Compensation and Employers Liability
Prepare a clear account of employee duties and payroll for the occupational injury coverage discussion. Employers liability is a separate part of the wording to review.
Does the submission describe the crew doing the work?
A crew’s duties can change as a business takes on new scopes. Describe field work, supervision, and office work accurately, and explain how payroll records distinguish them. Estimated payroll and classification details deserve attention before renewal and audit.
A trade business adding a different installation activity should raise that change during the discussion. The old application may no longer describe the crew’s current work.
Details to put on the review list
- Describe each operation rather than relying only on a trade label.
- Reconcile payroll estimates with current hiring and project workload.
- Flag labor supplied by another business and subcontractor arrangements.
- Bring any requested waiver of subrogation to the policy discussion.
A contract can reach beyond these lines.
Owned vehicles, movable tools, design responsibility, pollution exposures, or higher liability limits may need separate attention. Flag those operations at the outset so the discussion is not limited to the coverage names on this page.