Construction · General Contractors
Project type, payroll, vehicles, subcontractor controls, equipment, completed operations, and owner contract requirements shape the insurance review. BLIS organizes those details with loss history and current project information.
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General Contractors quote
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Share your contact information and a few basics about your business. A licensed BLIS representative will review your request.
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Submitting this request does not bind coverage or guarantee a quote. BLIS is licensed in California, Nevada, Arizona, Texas, Florida. CA License 0M74955.
Sending this form does not start coverage or guarantee a quote, price, or coverage result. BLIS will review what you send and may ask for a few more details before discussing available options.
What to expect
A BLIS representative reviews what you share, looks at what your business needs, and follows up if an important detail is missing.
A licensed BLIS representative reads what you send and gets familiar with your business.
We connect your day-to-day work, property, people, and vehicles with the coverage that may matter.
If something important is missing, we’ll ask a few focused questions instead of sending another long form.
When options are available, we help you compare price, limits, deductibles, exclusions, and policy terms.
After coverage starts, BLIS can help with certificates, policy changes, audits, renewals, and claim questions.
Your operation
Owners rely on you to coordinate the finished project, even when subcontractors perform much of the work. A jobsite injury, property-damage allegation, certificate problem, or later defect claim can interrupt operations. Review coverage and contract requirements before work begins, then update them as projects change.
Read the insurance schedule before signing the contract. Owners and lenders may require specific GL limits, umbrella limits, additional insured status, or other endorsements. A certificate cannot add terms that the policy does not provide. BLIS compares the requirements with the current policy so you can address differences before mobilization.
Subcontractor insurance records need ongoing attention. Your subcontract may require a current certificate, stated limits, additional insured status, or other endorsements before work starts. Expired policies and missing endorsements can complicate a claim involving the subcontractor's work. Use a consistent process to collect, review, and renew those records across active projects.
Claims can arise after the project closes. A framing issue may appear after occupancy, or a subcontractor's installation may later cause water damage. Because the GC contracted for the finished project, the owner may include the GC in the claim. Review the GL completed-operations limit, exclusions, and treatment of subcontracted work.
GC payroll may span several workers-comp classifications. Superintendents, project managers, field supervisors, office staff, and laborers may use different codes based on their actual duties. Keep payroll records by role, and confirm how staffing-agency workers are covered. Accurate records can reduce surprises at the policy audit.
Superintendents and project managers often drive between jobsites. Business-owned trucks generally belong on a commercial auto policy that reflects the vehicles, drivers, and actual use. If employees use personal or rented vehicles for business errands, hired and non-owned auto may also be relevant. Review the vehicle arrangement before assigning the trip.
Scaffolding, fencing, compressors, generators, and portable site offices move between projects. A fixed-location property policy may not cover them away from the listed premises. Equipment and installation floaters can follow covered property in transit or at jobsites, subject to the form. Confirm locations, values, and any storage restrictions before equipment moves.
Confirm who is responsible for Builder's Risk before work begins. The contract may assign it to the owner or the GC. Depending on the policy, it can cover the structure and materials against specified construction-period losses. Tools, employee injuries, and third-party liability usually require separate coverage. Put the responsibility and required insured interests in writing.
Last year's policy may not fit this year's projects. Residential construction, tenant improvements, ground-up commercial work, and design-build can have different requirements and available options. Tell BLIS when the work mix or project size changes so the policy can be reviewed.
Occupied renovations involve existing systems, tenants, visitors, and finished property that are not present on a clear ground-up site. The percentage of occupied-building work can affect eligibility, price, and policy terms. Describe that work separately from new construction.
Coverage
These are common coverages to consider, not a preset package. The right mix depends on how your business works, your contracts, state requirements, and the policy options available.
Construction contracts commonly require GL for third-party bodily injury and property damage arising from covered operations and completed work. Review the completed-operations aggregate, subcontracted-work provisions, and exclusions. Also compare the policy with any contract requirements for additional insured status, primary and non-contributory wording, or waiver of subrogation.
State law may require coverage for employees. Classify payroll according to actual duties because superintendents, project managers, field supervisors, laborers, and office staff may use different codes. Also collect workers-comp evidence from subcontractors. Depending on state law and the working relationship, an uninsured subcontractor's injured worker may create obligations for the GC.
Commercial auto can cover liability and physical damage involving business-owned vehicles. Hired and non-owned auto may address business liability involving rented or employee-owned vehicles. Inland marine may be needed for tools carried in the trucks. Review all three based on how vehicles are actually used.
The owner or GC may be responsible for securing this coverage. Policy terms determine which property and causes of loss are covered, when coverage begins and ends, and whether materials in transit, temporary storage, soft costs, or delay expenses are included. Confirm the named insureds, lender interests, project value, and completion provisions before work begins.
Equipment and Installation — An equipment floater can cover scheduled or blanket tools and machinery away from the business premises. An installation floater can cover specified materials in transit, temporary storage, or at the jobsite before installation. Limits, deductibles, security conditions, and covered locations vary by policy.
Umbrella or excess coverage can add limits above scheduled GL and commercial auto policies. Commercial and public-project contracts may specify minimum limits. Compare those requirements with the underlying policies, attachment points, exclusions, and the scale of the projects you manage.
EPLI can address covered employee claims such as wrongful termination, discrimination, or harassment, which GL and workers comp generally do not cover. It may be worth reviewing when the business is hiring, reducing staff, or managing a mix of employees and independent contractors.
What shapes your quote
These details can affect which options are available and what they may cost. You don't need all of them to start — send what you have, and we'll follow up on anything important that's missing.
Coverage examples
A few situations that show how coverage can respond when something goes wrong. These are examples only — not actual claims, and not a guarantee of any outcome.
Several years after a commercial project closes, a plumbing leak tied to a subcontractor's installation damages a tenant floor. The building owner makes a claim against the GC under the construction contract. GL completed operations may respond to covered property damage and defense costs, subject to the policy's terms and exclusions.
A framing subcontractor's employee is injured after the subcontractor's workers-comp policy has lapsed. Depending on state law and the working relationship, the worker may seek benefits or damages from other parties, including the GC. Verify coverage before work starts and periodically during longer projects. Consult qualified counsel about employment-status and site-control questions.
During an occupied-building renovation, a crew damages a fire-suppression line. The discharge damages tenant equipment, finishes, and inventory. GL may respond to covered third-party property damage, subject to the policy's terms and exclusions. This is one reason to describe occupied-building work separately from ground-up construction.
A fire damages a partially built structure. The owner believed the GC would secure Builder's Risk, while the GC believed the owner would handle it. The missing written confirmation leads to a dispute over the property damage. Assigning responsibility in the contract and verifying the policy can reduce that uncertainty.
The claim scenarios above are illustrative examples only. They do not represent actual clients, actual claims, or guaranteed coverage outcomes. Coverage for any specific situation depends on the policy terms, conditions, exclusions, and the facts of the claim.
After coverage starts
Once coverage is in place, new contracts or business changes can mean new paperwork. A certificate only summarizes policy information; the policy and its endorsements determine the actual coverage.
FAQ
Start with the contract's insurance section. It may require GL, workers comp, commercial auto, an umbrella, Builder's Risk, and specific endorsements. Requirements vary by project. BLIS compares the contract with the current policies before work begins. Ask counsel to review legal obligations in the agreement.
Usually, when the subcontract or owner agreement requires it. Collect current evidence of GL and workers comp, then confirm any additional insured or waiver requirements. A certificate is only a summary and does not create an endorsement. Use a consistent renewal process for subcontractors working on longer projects.
Many GC liability policies use revenue or total cost of operations rather than payroll alone, but the basis varies by insurer and classification. The calculation may include subcontracted work. Report the requested figures accurately and keep supporting records for the audit. BLIS reviews the basis shown on the quote and policy.
Builder's Risk can cover specified property and causes of loss during construction, subject to the policy. The contract should state whether the owner or GC must secure it and which parties need insured interests. Confirm the policy, project value, covered locations, and start and end provisions in writing before work begins.
The owner may name the GC because the GC signed the construction agreement and coordinated the finished project. GL completed operations may respond to covered claims involving subcontracted work, subject to the policy's terms and exclusions. Subcontract language, additional insured endorsements, and subrogation provisions can affect how responsibility is addressed. Ask counsel to review the contract.
Classifications follow actual duties, not job titles. Superintendents, project managers, laborers, office staff, and drivers may use different codes, which vary by state. Keep payroll separated by role and report material duty changes during the term. BLIS reviews classifications and estimates before coverage begins.
Start with the contracts because they may set minimum umbrella limits. Then consider project size, occupied-building work, completed-operations claims, vehicle use, and the values surrounding each jobsite. BLIS reviews the contract requirements and project mix with you. The insurer determines available limits and terms.
It can. Workers-comp classifications may reflect a smaller supervisory and office workforce, while GL pricing may still consider total operations and subcontracted work. Review how the policy treats subcontractors and completed operations. Consistent subcontract terms, insurance requirements, and certificate tracking remain important even when your employees mainly supervise.
Keep exploring
From the insights library
Protect payroll, finished work, tools, vehicles, contracts, and subcontractor relationships with an insurance review built around the way your construction company operates.
Compare workers' compensation requirements, job classifications, payroll, audits, owner treatment, and claims history across BLIS's five licensed states.
Prepare the business description, claims reports, payroll, vehicles, property details, and contract requirements insurers need to consider a quote.
Ready to talk about insurance for your general contractors business? Share the basics to get started.
Review Contractor CoverageCoverage availability, pricing, terms, conditions, and eligibility depend on underwriting, carrier guidelines, state, operations, loss history, policy terms, and other risk-specific factors. Nothing on this site guarantees coverage, pricing, placement, or savings.
Examples are hypothetical and illustrative. They show how a coverage can respond, not a promise that any specific claim will be covered. Actual coverage depends on your policy's terms, conditions, and exclusions.
Blue Lagoon Insurance Services, LLC is an independent insurance agency licensed in California (0M74955), Nevada (3983946), Arizona (3003332484), Texas (2966873), and Florida (L120266). BLIS does not underwrite insurance; coverage and underwriting decisions are made by the insurance carrier.
