General Contractors
Tailored industry coverage
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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. Â A Hiscox General Contractors policy also covers pollution liabilities arising out of construction operations.
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Core coverage:
- Professional Liability: claims alleging negligent design, engineering, construction management or consulting services performed by you or on your behalf.
- Contractors Pollution: pollution liability arising from your construction activities or operations. Includes coverage for mold, emergency response and restoration costs, pollutants in transport, and non-owned disposal sites. Available on a claims-made and occurrence basis.
- Protective Indemnity: covers an Insured’s financial loss (including cost overruns and delays) arising out of an act or error and omission of a subcontracted design professional. The claim must first be made against the responsible design professional.
- Rectification: advances funds directly to the Insured to rectify a design error, get the project back on track and avoid any potentially costly lawsuits or professional liability claims.
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Coverage benefits:
- Broad definition of professional services, including technology services, use of drones, and pro bono services
- Primary-noncontributory and blanket additional insured coverage for Contractors Pollution
- Blanket Waiver of Subrogation to Clients
- 70/30 Settlement Clause
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Coverage enhancements:
- Media and Advertising
- Crisis Management
- Pre-claims Assistance and Additional Payments
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Claims scenariosÂ
Not sure what risks our tailored General Contractors Form would cover? We’ve brought some scenarios to life.