Not automatically. A trade's liability policy may cover certain claims caused by its work, but that is different from insuring the developer or replacing damaged project property. Review the actual additional-insured endorsements and subcontract terms, not just certificates. Project property coverage must be coordinated separately.

A dispute over project decisions can become a claim against the development company or its principals. D&O insurance may address covered allegations of mismanagement, but it does not insure the project’s return or guarantee completion. Check which entities and individuals are insured, how claims between insured parties are treated, and the policy’s prior-acts and reporting provisions.

Lenders and equity partners can set insurance conditions for funding. Provide their written requirements before terms are negotiated and flag any requirement the available policies cannot satisfy. A contractual requirement does not itself create insurance coverage.

Give the agent the expected first-occupancy date for each building, including any overlap with unfinished construction. Identify who will manage the property and when that responsibility starts. Review the property and liability handoff before residents arrive rather than assuming one project-wide completion date fits phased lease-up.

Yes. Excavation can uncover contaminated soil, and runoff can affect neighboring property. Review the developer’s site exposure separately from the contractor’s pollution coverage. Cleanup costs and third-party claims depend on the policy; fines or penalties for permit violations should not be assumed covered.

Provide total project value, unit count, construction and occupancy phases, site reports, the self-performed and subcontracted work split, and loss history. Include the ownership chart and lender requirements so the named entities and their responsibilities can be reviewed.