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 Idaho building department inspection and certificate of occupancy

Idaho's varied landscapes can increase exposure to theft and vandalism, especially in remote 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 Idaho contracts
• Waiver of Subrogation as required by contract

Idaho public-sector construction contracts often require specific GL limits and endorsements. We review your contract insurance requirements before binding to ensure compliance.

Workers' Compensation & Employers Liability

• Required by Idaho law for any business with employees - no exceptions for construction
• Medical bills, lost wages, and rehabilitation for construction workers injured on Idaho 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

Idaho's construction industry has its own set of risks. Accurate payroll classification by trade is essential to avoid costly audit adjustments.

Commercial Auto & Fleet

• Owned vehicles: dump trucks, flatbeds, crew vans, pickup trucks, and equipment haulers
• Liability for accidents on Idaho highways and local roads
• 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

Idaho's rural roads can present unique challenges for commercial fleets. 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 Idaho job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

Heavy construction equipment is often targeted for theft. Ensure you have adequate coverage and security measures in place.

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 public contracts in Idaho
• Increasingly required on large private Idaho commercial developments
• Bond capacity determined by financial strength, experience, and banking relationships

Idaho 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 Idaho
• Can be structured to follow-form over GL and Auto in a single tower

A serious construction accident can generate claims that exceed standard liability 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

Idaho's growing design-build market means more GCs are taking on design responsibility. Standard GL does not cover professional errors; a separate policy is required.

Idaho Contractor Registration

Idaho requires contractors to register with the Idaho Division of Building Safety. Public projects often require proof of insurance and compliance with local regulations. We assist in ensuring all necessary documentation is in order.

Public Project Bonding & Prevailing Wage

Idaho law mandates performance and payment bonds on public construction contracts exceeding certain thresholds. Compliance with prevailing wage rates is also required, and maintaining certified payroll records is essential.

City Building Permits & Inspections

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

OSHA Job Site Safety

Federal OSHA construction standards apply to all Idaho commercial job sites. Compliance with safety regulations is critical to avoid penalties and ensure worker safety.