A risk advisor built for construction

On a construction job, most of your risk is written into the contract before a shovel hits the ground. The prime agreement and subcontract dictate the limits you carry, the indemnification you owe upstream, the additional-insured status you grant the GC and owner, and whether your coverage has to respond on a primary and non-contributory basis ahead of theirs. We read those insurance requirements and indemnity provisions against your actual policies — looking for where a contractual liability assumption, a missing endorsement, or anti-indemnity statute limits could leave you holding a loss the contract says is yours.

The other half of the exposure runs downstream. When you hire subs, their general liability, auto, and workers’ comp become your problem the moment a certificate lapses or a sub shows up uninsured — claims can flow back to your policy, drive up your losses, and inflate your experience modifier (EMR), which then prices you out of bids. We help structure the risk transfer the other direction: subcontract insurance language, additional-insured and waiver-of-subrogation requirements you impose on subs, and a COI tracking process so coverage gaps surface before the work starts, not after a claim. Completed-operations exposure is its own concern — claims can land years after closeout, so how long that coverage stays in force and how your work is defined in the policy both matter.

Then there’s the physical work itself: the structure mid-build, materials in transit and stored off-site, and the tools and equipment that move job to job. We place builders risk and installation floaters sized to course-of-construction values (including soft costs and existing-structure concerns on renovations), inland marine for tools and equipment, and we coordinate coverage where a project runs under an owner- or contractor-controlled wrap-up (OCIP/CCIP) so you understand what the wrap covers, what it excludes, and what your own program still needs to carry.