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The trades on your project can change, but your agreement with the owner remains. Insurance needs to fit the work you perform and oversee, from an active site through claims after completion.
The Southern Agency can help you compare project property, crew protection, and liability for your contracting work.
You bring trades, materials and schedules together while managing what your own crews perform. An injury on site, damage to work in progress or a leak after handoff can put your supervision and subcontract agreements under scrutiny. Your duties depend on the work, contracts and applicable law.
The Southern Agency can review your project mix and subcontract arrangements to help choose insurance. We can compare liability and crew protection with project-property terms and any bond requests, checking issued endorsements against owner requirements rather than treating a certificate as proof of every promised right.
A subcontractor's work or injured employee can draw allegations against you, especially if its insurance is inadequate. Responsibility and any responding coverage depend on the actual duties, employers, alleged harm and policy terms; the gap does not simply transfer the loss to your policy.
Allegations of defective construction can emerge long after a project closes, triggering costly repair, rework, and litigation exposure.
Owners, inspectors, delivery drivers, and the public moving near an open site face trip, fall, and struck-by hazards the GC may be held responsible for.
Fire, wind, theft, or vandalism can destroy a partially built structure and stored materials before the project is handed over.
Owners and lenders often require specific limits, additional insured status, and surety bonds, and falling short can cost the contract.
Tools, power equipment, and trailers move between jobsites daily, exposing them to theft and damage away from a fixed location.
Crews working at heights, with power tools, and around heavy machinery face injury exposure that drives workers' compensation needs.
Policies to ask about. Which ones fit depends on your operations, your contracts, and the carrier’s forms.
These hypothetical examples are not agency claim results. Whether a loss is covered depends on the facts, policy terms, and applicable exclusions.
Hypothetical: a subcontractor's worker is hurt and its insurance is inadequate. Identify employer, statutory obligations and allegations against you, then review workers' compensation, employers liability and GL separately. The sub's gap does not automatically transfer its benefits or liability to your GL policy.
Hypothetical: water intrusion is alleged two years after handoff. Preserve subcontracts, work and inspection dates, damage information and prior policies. Review resulting building damage separately from defective-work replacement and check water/fungi, subcontractor, prior-work and professional exclusions; discovery date alone does not select the responding policy.
Hypothetical: fire damages a partly built structure. Builders risk may address covered physical loss to included work and materials during its project period. Identify owners, insured interests and completion or occupancy terms; work not yet handed over is not by itself proof of coverage. Existing structures, delay and extra expense need their own terms.
Start with the work you do and the questions your current policies leave unanswered. Carrier options depend on your location, risk, and underwriting. Explore our approach.
A claim involving a trade can also allege negligent supervision or other duties against you. Review accepted subcontractor operations, actual employer obligations and issued ongoing/completed-operations endorsements. A subcontractor's gap does not automatically transfer its benefits or liability to your insurer, and requiring a certificate does not establish your insured rights.
It may address covered physical loss to included work and materials during the insured project period. Read the owner or lender agreement to determine who arranges it and which interests are included. Values, existing structures, off-site goods, causes of loss, occupancy and termination terms matter; contract value or an unfinished building alone does not establish full protection.
No. Bid, performance and payment bonds support different specified obligations to an obligee or eligible beneficiaries. The actual bid, contract and applicable rules determine requirements. Approval, capacity and indemnity are separate from accident insurance, and the contractor may have to reimburse the surety. A bond does not insure every defect, abandoned scope or missed deadline.
Completed-operations coverage may respond to certain defect allegations after a job ends, but outcomes depend on the specific policy, endorsements, exclusions, and the facts of the claim.
Insurers commonly weigh revenue, payroll, the share of subcontracted work, project type, and loss history. Coverage availability depends on underwriting and the details of your operations.
Inland marine coverage may help protect tools and equipment away from a fixed location, where standard property policies often fall short. Coverage depends on the specific policy.
Bring your questions, current policies, and relevant contracts. An agent can review coverage terms, exclusions, and the information carriers ask for, then explain the options available to you.
