Contractors & Construction
Contractor Insurance & Risk Management
Does your certificate of insurance tell the whole story?
The insurance certificate may satisfy a project’s contract requirement without actually answering whether the underlying coverage will respond as expected when a claim occurs.[cite: 1] We help contractors align their true coverage with their contractual obligations. For Colorado to most surrounding states, we can help.
The Subcontractor Gap
Project requirements can easily create hidden, uninsured exposures.
In the construction industry, risk flows downstream. However, complex project requirements, indemnification provisions, and multi-tier subcontractor relationships often create scenarios where businesses are inadequately insured despite holding active policies.
1. Contractual Insurance Requirements
Ensure your underlying policy actually meets the rigid limits, terms, and conditions demanded by general contractors and project owners.
2. Subcontractor Risk Transfer
Protect your balance sheet by verifying that downstream subcontractors hold the correct coverage to fully fund the indemnification they owe you.
3. Indemnification Provisions
Analyze hold-harmless agreements to ensure you aren't assuming liabilities that are excluded from your current commercial general liability policy.
4. Your position in the insurance marketplace
Consider how underwriters view your business, how your risks are presented and which market relationships best fit your needs.
Contractor Coverages
Protecting against specialized construction claims.
We help Colorado contractors navigate the specific exposures that threaten their profitability, from heavy fleet operations to long-tail defect claims.
Additional Insured Endorsements
Structure endorsements correctly to provide the exact scope of ongoing and completed operations coverage required by your contracts.
Workers' Compensation
Manage experience modification rates (X-Mods) and address the high-severity workplace injury exposures inherent to active job sites.
Fleet Exposures
Mitigate the massive liability risks associated with moving heavy materials, equipment, and work crews across Colorado highways.
Construction Defect Liability
Prepare for complex, multi-party claims that arise years after a project is completed by securing robust completed operations coverage.
