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
Appetite & Capacity
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Coverage & Benefits
  • Professional Liability coverage for construction professional services performed by your or on your behalf
  • Contractors Pollution Liability coverage for construction operations including Emergency Response Costs and coverage for Mold, Transportation and Non-Owned Disposal Sites
  • Protective Indemnity coverage for the Insured's financial loss arising out of subcontracte design errors
  • Rectification coverage to advance funds directly to the Insured to rectify a design error and avoid a more costly professional liability claim down the line
  • Broad definition of professional services, including technology services, use of drones, and pro bono services
  • Blanket waiver of subrogation to clients 
  • Primary-noncontributory and blanket additional insured coverage for Contractors Pollution
  • Media and Advertising  Enhancement
  • Crisis Management Enhancement
Appetite & Capacity
  • At risk construction managers
  • Design builders
  • General contractors
  • Capacity: Up to $10m
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Claims scenarios 

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

General Contractors

A general contractor working on a refrigerated warehouse project subcontracts the design of the refrigeration and ventilation system to a small mechanical engineer. The engineer, who did not carry professional liability, miscalculated the cooling needs of the warehouse and specified an inadequate ventilation system. The building owner demanded $250,000 to replace the poorly performing system.

General Contractors

A general contractor working on a refrigerated warehouse project subcontracts the design of the refrigeration and ventilation system to a small mechanical engineer. The engineer, who did not carry professional liability, miscalculated the cooling needs of the warehouse and specified an inadequate ventilation system. The building owner demanded $250,000 to replace the poorly performing system.

Subcontractors

A subcontractor of the GC improperly designed and installed an HVAC system. Mold formed in the chillers, and the air in the building made people ill. Multiple claimants filed suit against the contractor in addition to the owner who suffered business interruption losses. Demands totalled well over $2M.  

Subcontractors

A subcontractor of the GC improperly designed and installed an HVAC system. Mold formed in the chillers, and the air in the building made people ill. Multiple claimants filed suit against the contractor in addition to the owner who suffered business interruption losses. Demands totalled well over $2M.  

Contractors

A contractor failed to detect the faulty workmanship of an out of state electrical contractor who used materials not up to local code. Once discovered, the entire electrical service had to be torn out and reinstalled at a cost of approximately $1 million plus resulting delays in project completion.

Contractors

A contractor failed to detect the faulty workmanship of an out of state electrical contractor who used materials not up to local code. Once discovered, the entire electrical service had to be torn out and reinstalled at a cost of approximately $1 million plus resulting delays in project completion.

Paving Contractors

A paving contractor was hired to design and build a new parking lot for a shopping center.  After laying the tack coat of Naphtha in preparation for the final coat of blacktop on the parking lot, two days of heavy rain hit, washing the toxic material into a retaining basin and, subsequently, into a local stream. The clean-up costs exceeded $250,000.

Paving Contractors

A paving contractor was hired to design and build a new parking lot for a shopping center.  After laying the tack coat of Naphtha in preparation for the final coat of blacktop on the parking lot, two days of heavy rain hit, washing the toxic material into a retaining basin and, subsequently, into a local stream. The clean-up costs exceeded $250,000.