Contractors / San Francisco
Commercial insurance for general contractors and trades.
We arrange insurance for contractors supervising projects and for trades performing a specific scope. Your role shapes the submission we prepare and the policy terms we recommend.
General contractors
Commercial insurance for contractors responsible for the whole project.
Our approach to the project
We shop general contractor insurance with the owner agreement and subcontract requirements in view. We check the liability endorsements and examine who carries project property cover, including the obligations passed down to the trades.
On a tenant improvement, we identify the interests of the owner and tenant alongside your obligations as general contractor. We use that structure to check the proposed cover and follow up on missing endorsements.
What we account for
- Owner-supplied insurance and any gaps left to the contractor
- Subcontracted work and completed-operations obligations
- Existing buildings, phased occupancy, and project extensions
Specialty trade contractors
Business insurance for the trade work you perform.
Our approach to the project
We prepare specialty contractor submissions around the actual installation work. Hot work, height, and water connections can affect the available terms; we describe those activities and explain relevant exclusions when comparing quotes.
When you supply materials as well as install them, we check responsibility for storage and delivery against the proposed insurance. We flag any period where the materials fall outside the cover being offered.
What we account for
- The precise activities performed by employees and subcontractors
- Materials awaiting installation and tools moving between jobs
- Damage allegations that can arise after another trade covers your work