Products

---

Communication and collaboration is essential when procuring insurance for your professional liability. Both owners and contractors need to pay careful attention to their design professional's liability coverage. Their limits should be closely examined for two reasons: First, most professional liability policies cover all of the design work the design professionals perform- not just your project- so the aggregate limits could be exhausted by claims on other projects; second, the limits purchased by many design firms are usually low when compared to their potential exposure. Having a policy that protects your company for your own professional liability as well as excess above the design professional's coverage is imperative. Having an industry leading Form underwritten by an experienced team that will tailor coverage to your needs is what we will provide. We offer project specific as well as practice policies with a robust coverage offering. 

Contractors Pollution Liability is a contractor-based policy. Although there is significant capacity in the market, knowing how your policy will respond in a time of need is important. How does your policy respond to NODS and NOHS? How about microbial matter? Having a form that is clear and concise yet flexible enough to be tailored to your needs is imperative. Our industry leading, seasoned team has the experience and knowledge to  

 OCP is a stand-alone policy that covers the named insured's liability for bodily injury (BI) and property damage (PD)caused , in whole or in part, by an independent contractor's work for the insured. The contractor purchases the policy to provide coverage for vicarious liability the client (project owner) incurs as a result of the contractor's acts or omissions on the project. The OCP policy also responds to liability arising out of the insured's own acts or omissions in connection with its general supervision of the contractor's operations. RRP- Contractors that perform work near rail lines are often required to purchase coverage to protect the railroad. Insurance coverage protecting a railroad from liability it incurs because of the work of contractors on or near the railroad right-of-way is typically purchased by the contactor is referred to as RRP or  railroad protective coverage. 

Construction professionals face serious risks every day. A lot can go wrong at a job site even with safety precautions and protections in place. Our team of professionals understand the dangers inherent to the construction industry as we have worked with local sub and general contractors as well as some of the largest national construction companies to lower their total cost of risk and resolve catastrophic construction claims. Our team of underwriters specialize in the complex risk of construction allowing the construction community to keep their teams and public safe and their business profitable. We will tailor the insurance coverage we provide to meet the needs that your company has. 

Construction is one of the most dangerous professions and as such the need for companies to protect their business and employees from financial loss is imperative. When an employee gets sick or hurt on the job from a work-related cause is when workers' compensation protects the employee from potentially devastating costs. Workers' compensation insurance also protects the business from costs that could be potentially very serious hits to their financials.

Most construction companies own or manage service vehicles, which transport people and materials to their job sites. Properly reviewing the fleet schedule regularly and documenting accurate garage locations as well as mileage is imperative. Driver selection is an equally important component in the underwriting process. Who a company trusts with their vehicles will help determine what types of credits the insured may or may not receive on their policy. Technology has been widely adopted in the industry and can greatly improve the safety and performance of a commercial fleet.

Purchased by either the owner or the contractor, covers the actual structure being built and is necessary because the owner's property policy usually contains restrictions that greatly limit the coverage allowed for construction projects. Although owners typically purchase this coverage, it shouldn't be assumed. Deciding who provides the coverage must be agreed upon upfront after evaluating the type of project, financing requirements, type of contract, location of project and whether there is a master program in place. 

A contractor's tools, mobile equipment, and equipment are essential for their operations. If they are stolen, destroyed by a fire or vandals their project's schedules can be impacted. A delayed project can be costly- not only to their immediate bottom line, but to their reputation as well.