Builders Risk

• Structure under construction, installed materials, and temporary works (scaffolding, formwork, shoring)
• Materials stored on-site, in transit, or at fabrication yards
• Fire, theft, vandalism, wind, and collapse during construction
• Soft costs endorsement: architect/engineering fees, permit costs, loan interest during delay
• Limit set to completed project value - not partial value at time of loss
• Coverage extended through Delaware building department inspection and certificate of occupancy

Delaware's urban sites may face theft and vandalism risks not present in rural areas. Ensure limits are set at completed value and consider theft sublimits for high-value materials.

General Liability

• Third-party bodily injury and property damage from construction operations
• Products & Completed Operations - covers post-completion claims for years after project handover
• Personal and advertising injury
• Additional Insured endorsements for owners, developers, and municipalities
• Primary & Noncontributory wording for all required AIs
• Per-project aggregate for large or multi-site Delaware contracts
• Waiver of Subrogation as required by contract

Delaware public-sector construction contracts often require higher GL limits with comprehensive contractor endorsements. We ensure your contract requirements are met before binding.

Workers' Compensation & Employers Liability

• Required by Delaware law for any business with employees - no exceptions for construction
• Medical bills, lost wages, and rehabilitation for construction workers injured on Delaware job sites
• Covers falls from height, struck-by incidents, excavation accidents, and tool/equipment injuries
• Employers Liability protects against employee negligence suits
• Wrap-up / OCIP compatibility where the project owner controls the WC program
• Prevailing wage compliance documentation often required on public projects

Construction is a high-risk industry in Delaware. Accurate payroll classification by trade is essential to avoid audit adjustments and penalties.

Commercial Auto & Fleet

• Owned vehicles: dump trucks, flatbeds, crew vans, pickup trucks, and equipment haulers
• Liability for accidents on Delaware highways and city streets
• Physical damage (collision and comprehensive) for fleet vehicles
• Hired & Non-Owned Auto for subcontractors' and employees' personal vehicles used on firm business
• Pollution liability endorsement for vehicles transporting regulated materials
• Higher limits typically required by public project owners

Delaware's urban areas can present unique driving challenges. Ensure your driver list is current and MVRs are reviewed annually.

Contractor's Equipment & Inland Marine

• Cranes, excavators, forklifts, bulldozers, and aerial work platforms
• Compressors, generators, welding equipment, and portable power tools
• Leased or rented equipment on a blanket or scheduled basis
• Coverage follows equipment to Delaware job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

Heavy construction equipment is frequently targeted for theft. Implement security protocols to satisfy underwriter requirements.

Surety Bonds

• Bid Bond: guarantees you'll honor your bid and execute the contract if awarded
• Performance Bond: guarantees project completion per contract terms
• Payment Bond: guarantees subcontractors and suppliers will be paid
• Required on all Delaware public contracts
• Increasingly required on large private commercial developments
• Bond capacity determined by financial strength, experience, and banking relationships

Delaware public contracts consistently require performance and payment bonds. We arrange bonds alongside your insurance program for seamless compliance.

Commercial Umbrella / Excess Liability

• Adds $5M-$25M+ of excess liability above GL, Auto, and Employers Liability
• Activates when an underlying limit is exhausted
• Required by most large commercial developers and public entities in Delaware
• Can be structured to follow-form over GL and Auto in a single tower

A serious construction accident can generate claims that exceed standard GL limits. Commercial builders should carry adequate umbrella coverage.

Professional Liability (Design-Build E&O)

• Covers errors in design services provided by or coordinated by the GC
• Required for design-build delivery where the builder holds design responsibility
• Protects against claims alleging design defects that manifest post-completion
• Claims-made form - retroactive date protection critical when switching carriers

Delaware's growing design-build market necessitates specific coverage for GCs taking on design responsibilities.

Delaware Contractor Registration

Delaware requires contractors to register with the Division of Professional Regulation. Public projects necessitate pre-qualification with the relevant public entity, which includes submitting current insurance certificates with specified limits.

Public Project Bonding & Prevailing Wage

Delaware law mandates performance and payment bonds on public construction contracts exceeding $50,000. Compliance with prevailing wage rates is also required, and certified payroll records must be maintained.

City Building Permits & Inspections

All commercial construction in Delaware requires permits from local authorities. Insurance certificates naming the municipality as Additional Insured are often required for permit issuance.

OSHA Job Site Safety

Federal OSHA standards apply to all Delaware job sites. Compliance with safety regulations is critical, as violations can impact your insurance eligibility and premiums.