Coverage lines

Insurance built line-by-line for design-build contractors.

Each policy below addresses a specific exposure in design-build construction — from the professional liability (E&O) a standard CGL policy excludes entirely to the builders risk program your lender and owner require on every project.

Essential coverage

Professional Liability (E&O)

Construction E&O coverage protecting design-build contractors, construction managers, and architect-contractors from claims of professional errors, design failures, specification mistakes, and negligent professional services. Claims-made coverage with prior-acts options.

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General Liability

Commercial general liability for construction contractors — covering third-party bodily injury, property damage, and personal injury arising from your construction operations, completed projects, and premises.

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Workers' Compensation

Workers compensation for construction contractors — correct classification for design-build crews, skilled trades, and professional staff, with injury coverage across all project types and locations.

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Commercial Auto

Commercial auto insurance for contractor vehicles — covering pickup trucks, vans, flatbeds, and specialty vehicles used for project work, material transport, and site supervision.

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Umbrella / Excess Liability

Umbrella and excess liability coverage providing additional limits above your primary GL, auto, and professional liability for large construction projects, public work, and contract requirements.

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Builders Risk

Builders risk coverage protecting the project structure, materials, and equipment during construction — covering fire, theft, vandalism, wind, and other perils before project completion and occupancy.

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Pollution Liability

Contractor pollution liability covering environmental claims that arise from construction operations — disturbed contaminated soil, asbestos or lead in renovation projects, fuel spills, and other pollution conditions on project sites.

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Not sure which lines you need?

Most design-build contractors bundle E&O + CGL + workers' comp + commercial auto + umbrella into one coordinated program. We'll build the right mix in one call.

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