Contractors & construction

31 researched profiles in this educational category. Collections may overlap.

UW takeaway

Renovation, installation and new construction can present different completed-work and site exposures. Ask about subcontractors, design responsibilities and work at height; review additional trades separately.

Explore activities

Construction of Buildings (6)

Heavy and Civil Engineering Construction (6)

Specialty Trade Contractors (19)

Coverage topics in saved research

Workers' Compensation

New Single-Family Housing Construction (except For-Sale Builders): Self-performed labor on residential construction sites carries significant injury frequency — framing, roofing, and concrete work are among the higher-hazard WC classifications.

Water and Sewer Line and Related Structures Construction: Trenching, confined space, and heavy equipment exposure typically produces elevated class codes and meaningful premium; state assignment may involve multiple codes depending on operations.

Commercial Auto

New Single-Family Housing Construction (except For-Sale Builders): Company-owned vehicles, equipment haulers, and superintendent vehicles are a routine part of the GC's fleet exposure.

Water and Sewer Line and Related Structures Construction: Heavy-duty dump trucks, water trucks, service vehicles, and equipment haulers are common in the fleet; MCS-90 or motor carrier filings may apply if hauling for hire.

Umbrella / Excess Liability

New Single-Family Housing Construction (except For-Sale Builders): Completed-operations severity in residential construction can easily exceed primary GL limits; excess coverage is often worth serious consideration.

Water and Sewer Line and Related Structures Construction: Municipal contract minimums frequently require umbrella limits in the $5M-$10M range; completed-operations severity on public infrastructure warrants meaningful excess limits.

Commercial Property

New Single-Family Housing Construction (except For-Sale Builders): Covers the GC's owned office, storage yard, and physical business assets; less prominent for GCs who operate from a home office or lease minimal space.

Water and Sewer Line and Related Structures Construction: Typically modest unless the contractor owns a yard, shop, or office building; portable buildings and yard storage of materials and pipe inventory may need specific attention.

General Liability

Residential Remodelers: Core coverage for premises, operations, and completed-operations exposure — completed operations is often the dominant concern for residential remodelers.

Water and Sewer Line and Related Structures Construction: Core coverage for premises, operations, and completed-operations exposure on public infrastructure work — completed-operations tail is particularly important for this class.

Equipment Breakdown

Commercial and Institutional Building Construction: May respond to mechanical or electrical breakdown of owned heavy equipment or job-site machinery; sometimes bundled into an inland marine form.

Oil and Gas Pipeline and Related Structures Construction: Compressors, welding rigs, and testing equipment may warrant equipment breakdown coverage separate from property.

Installation Floater

Industrial Building Construction: Covers materials and equipment destined for installation before they are incorporated into the permanent structure.

Glass and Glazing Contractors: Covers specialty or high-value glass in transit to and during installation before it becomes a permanent part of the structure.

Commercial General Liability

New Single-Family Housing Construction (except For-Sale Builders): Core premises and operations coverage, but completed-operations extension is critical — many residential GC losses emerge years after project delivery.

Power and Communication Line and Related Structures Construction: Covers premises and operations on job sites, plus completed operations for installed structures; policy form and exclusions vary significantly by carrier for this class.

Questions to ask

  1. What is the annual revenue and projected project count for the coming policy period — and how does that compare to the prior year? (New Single-Family Housing Construction (except For-Sale Builders))
  2. What types of projects make up the bulk of the work — residential laterals, municipal mains, treatment plant construction, or a mix? (Water and Sewer Line and Related Structures Construction)
  3. What percentage of work is residential versus commercial or industrial, and does the contractor work on new construction, additions, or repair and renovation? (Poured Concrete Foundation and Structure Contractors)
  4. What types of multifamily projects are primarily built — low-rise wood frame, podium, or high-rise concrete/steel — and what are the typical project values? (New Multifamily Housing Construction (except For-Sale Builders))
  5. What types of pipeline work does the contractor primarily perform — gathering, distribution, or large-diameter transmission — and does the scope include refineries, processing plants, or storage tank farms? (Oil and Gas Pipeline and Related Structures Construction)
  6. What is the typical height range of projects — single-story, multi-story, high-rise, or infrastructure like bridges? (Structural Steel and Precast Concrete Contractors)
  7. How many homes do you expect to start and close in the next 12 months, and how many are currently under construction? (New Housing For-Sale Builders)
  8. Does the contractor perform any energized or 'hot' line work, and if so, what voltage levels? (Power and Communication Line and Related Structures Construction)

AI-generated educational research may contain errors. Verify classifications, coverage and carrier requirements. Category membership does not establish policy fit.