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.

 

Coverage & Benefits

  • 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.

  • 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

 

  • Coverage enhancements:

    • Media and Advertising
    • Crisis Management
    • Pre-claims Assistance and Additional Payments

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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.