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 Indiana building department inspection and certificate of occupancy

Indiana's diverse construction sites can face unique risks, including theft and vandalism. 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 Indiana contracts
• Waiver of Subrogation as required by contract

Indiana public-sector contracts often require specific GL limits and endorsements. We ensure your coverage meets all contractual obligations.

Workers' Compensation & Employers Liability

• Required by Indiana law for any business with employees
• Covers medical bills, lost wages, and rehabilitation for injured workers
• 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 Indiana. Accurate payroll classification is essential to avoid costly audit adjustments.

Commercial Auto & Fleet

• Owned vehicles: dump trucks, flatbeds, crew vans, and equipment haulers
• Liability for accidents on Indiana highways and city streets
• Physical damage 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

Indiana's diverse driving conditions require careful management of fleet operations to minimize accident risks.

Contractor's Equipment & Inland Marine

• Cranes, excavators, forklifts, and portable power tools
• Leased or rented equipment on a blanket or scheduled basis
• Coverage follows equipment to Indiana job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

Heavy equipment theft is a concern in Indiana. Ensure your coverage includes adequate theft protection.

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 Indiana
• Bond capacity determined by financial strength, experience, and banking relationships

Public contracts in Indiana consistently require performance and payment bonds. We streamline the bonding process alongside your insurance program.

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 Indiana

A serious construction accident can lead to claims that exceed standard liability limits. Ensure adequate umbrella coverage is in place.

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
• Claims-made form - retroactive date protection critical when switching carriers

As Indiana's design-build projects grow, so does the need for specialized professional liability coverage.

IN Contractor Registration

Indiana requires contractors to register with the state and provide proof of insurance for public projects. This includes compliance with local regulations and obtaining necessary permits.

Public Project Bonding & Prevailing Wage

Indiana's public construction contracts often require performance and payment bonds. Compliance with prevailing wage laws is also essential, with certified payroll records required for public projects.

City Building Permits & Inspections

All commercial construction in Indiana requires permits from local authorities. Insurance certificates naming the municipality as Additional Insured are frequently required as a condition of permit issuance.

OSHA Job Site Safety

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