General Contractors (GC)

Full List of Construction & Contracting Services

General Contractors oversee the entirety of a construction project, managing specialized subcontractors, schedules, and budgets. Because they hold the primary contract with the owner, General Contractor insurance is designed to address the broad "vicarious liability" for the work of others and the overall safety of the project site, subject to the terms, conditions, exclusions, and limitations of the policy issued.

1. General Liability & Subcontractor Oversight

The most significant risk for a GC is property damage or bodily injury caused by a subcontractor. Coverage is structured to protect the GC when they are named in a lawsuit for work performed by a trade they hired, provided appropriate "Additional Insured" endorsements and certificates are in place.

2. Completed Operations & Latent Defects

Claims often arise years after a project is finished—such as structural issues or water intrusion. This coverage addresses the GC's liability for property damage that manifests after the project has been turned over to the owner.

3. Workers' Compensation & Site Safety

As the entity responsible for the master safety plan, GCs face exposure if any worker is injured on-site. Policies provide for medical expenses and lost wages, while also offering a legal defense against claims of gross negligence regarding site safety protocols.

Construction activities often disturb lead, asbestos, or cause moisture trapped in walls.

4. Pollution & Mold Exposure

Large-scale plans must account for complex environmental regulations and resilience standards. Coverage may consider professional negligence claims related to alleged failures in flood mitigation planning or habitat preservation strategies.