General Contractors

Tailored industry coverage

 

Why purchase tailored coverage?

Contractors Professional Liability offers tailor made protection for contractors covering all construction professional services, whether they are performed in house or subcontracted.  A Hiscox General Contractors policy also covers pollution liabilities arising out of construction operations.

 

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Claims scenarios 

Not sure what risks our tailored General Contractors Form would cover? We’ve brought some scenarios to life.

Construction Professional Liability

A contractor hired an engineer to design the shoring for the site excavation of a commercial building. The design of the shoring was inadequate and resulted in settlement damage to the neighboring building. The building owner filed a claim against the contractor, but the contractor’s GL policy denied coverage as the damage resulted from engineering services, which are excluded under a GL policy. A Hiscox Pro General Contractors Policy would cover the contractor for the engineering and professional services and provide defense for the building owners’ claims.

Construction Professional Liability

A contractor hired an engineer to design the shoring for the site excavation of a commercial building. The design of the shoring was inadequate and resulted in settlement damage to the neighboring building. The building owner filed a claim against the contractor, but the contractor’s GL policy denied coverage as the damage resulted from engineering services, which are excluded under a GL policy. A Hiscox Pro General Contractors Policy would cover the contractor for the engineering and professional services and provide defense for the building owners’ claims.

Pollution Liability

A concrete subcontractor did not properly ventilate one of the buildings after completing a pour of the concrete. As a result, the floors, walls and fixtures developed mold. The contractor’s general liability policy denied coverage citing the mold and pollution exclusion. A Hiscox Pro General Contractors Policy would cover the cost to clean up and repair/replace the damage caused by the mold condition.

Pollution Liability

A concrete subcontractor did not properly ventilate one of the buildings after completing a pour of the concrete. As a result, the floors, walls and fixtures developed mold. The contractor’s general liability policy denied coverage citing the mold and pollution exclusion. A Hiscox Pro General Contractors Policy would cover the cost to clean up and repair/replace the damage caused by the mold condition.