General Contractors
Comprehensive risk transfer for the leaders of the job site.
The Challenge: Managing the Moving Parts
As a General Contractor, you are responsible for everything—from the foundation to the finishing touches. Your risk doesn't just come from your own work; it comes from the dozens of subcontractors, suppliers, and environmental factors you manage every day. One site injury or a "hot work" accident can halt a project and drain your capital.
Why Hardcover Insurance?
We know that in contracting, time is money. You need certificates of insurance (COIs) delivered instantly, and you need a broker who understands how to wrap your subcontractors into a cohesive risk management strategy. We specialize in construction-heavy portfolios, ensuring your "Hardcover" protection is as solid as your builds.
Core Coverage for General Contractors
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Commercial General Liability (CGL): The backbone of your coverage. This protects you against third-party bodily injury and property damage claims arising from your operations.
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Builder’s Risk (Course of Construction): Protection for the structure itself while it’s under construction. This covers losses due to fire, wind, theft, and vandalism until the keys are handed over.
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Workers’ Compensation: Essential protection for your crew. We help you manage your E-Mod (Experience Modifier) to keep your premiums low while ensuring your team is cared for.
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Umbrella & Excess Liability: In a high-litigation industry, your primary limits might not be enough. We provide "high-tower" coverage to protect your assets against catastrophic claims.
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Inland Marine (Tools & Equipment): Coverage for your expensive machinery, tools, and materials while they are in transit or parked at the job site.
Strategic Risk Management
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Subcontractor Pre-qualification: We provide templates and advice on how to vet your subs' insurance to ensure the risk stays with them, not you.
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OCIP/CCIP Support: Expertise in "Wrap-Up" insurance programs for large-scale developments.
"Seamless bonding and broad-market coverage to keep your project on schedule."
— The Hardcover Promise
Build with Confidence
Don't let an uninsured subcontractor or a site accident derail your firm. Get the coverage that covers the whole site.