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 Kansas building department inspection and certificate of occupancy

Kansas's diverse environments can introduce unique risks, including theft and vandalism on urban sites. Ensure your Builders Risk coverage reflects the completed value of the project.

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 Kansas contracts
• Waiver of Subrogation as required by contract

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

Workers' Compensation & Employers Liability

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

Accurate payroll classification by trade is critical in Kansas, as misclassification can lead to significant audit adjustments.

Commercial Auto & Fleet

• Owned vehicles: dump trucks, flatbeds, crew vans, pickup trucks, and equipment haulers
• Liability for accidents on Kansas 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

Kansas's diverse driving conditions require careful management of your fleet and driver compliance to minimize risks.

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 job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

Heavy construction equipment is often targeted for theft. Ensure your coverage includes adequate protection for all equipment on-site.

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 Kansas
• Increasingly required on large private commercial developments
• Bond capacity determined by financial strength, experience, and banking relationships

Public contracts in Kansas consistently require performance and payment bonds. We help arrange these bonds 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 Kansas
• 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. Ensure you have adequate umbrella coverage 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
• Protects against claims alleging design defects that manifest post-completion
• Claims-made form - retroactive date protection critical when switching carriers

As Kansas's design-build projects grow, so does the need for specialized coverage to protect against design errors.

Kansas Contractor Registration

Kansas requires contractors to register with the appropriate state agency and provide proof of insurance for public projects. Ensure you meet all registration requirements to avoid delays in project approvals.

Public Project Bonding & Prevailing Wage

Kansas law mandates performance and payment bonds on public construction contracts exceeding certain thresholds. Compliance with prevailing wage laws is also essential for public projects.

Kansas Building Permits & Inspections

All commercial construction in Kansas requires permits from local authorities. Ensure you have the necessary permits and that your insurance certificates meet local requirements.

OSHA Job Site Safety

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