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 Louisiana building department inspection and certificate of occupancy

Louisiana's humid climate can increase the risk of mold and water damage, making it essential to set limits at completed value and carry appropriate sublimits for theft and vandalism.

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 Louisiana contracts
• Waiver of Subrogation as required by contract

Public-sector construction contracts in Louisiana often require higher GL limits with a full suite of contractor endorsements. We review your contract insurance requirements before binding to ensure compliance.

Workers' Compensation & Employers Liability

• Required by Louisiana law for any business with employees - no exceptions for construction
• Medical bills, lost wages, and rehabilitation for construction workers injured on Louisiana 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 Louisiana. Accurate payroll classification by trade is critical 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 Louisiana 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

Louisiana's road conditions and traffic patterns can increase accident frequency. 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 Louisiana job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

Heavy construction equipment is frequently targeted for theft in urban areas. 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 public contracts in Louisiana
• Increasingly required on large private commercial developments
• Bond capacity determined by financial strength, experience, and banking relationships

Public contracts in Louisiana consistently require performance and payment bonds. We arrange bonds alongside your insurance program for streamlined 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 Louisiana
• 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 for large-scale projects.

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 Louisiana's design-build projects grow, GCs must ensure they have the appropriate Professional Liability coverage to protect against design errors.

LA Contractor Registration

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

Public Project Bonding & Prevailing Wage

Louisiana law mandates performance and payment bonds on public construction contracts exceeding certain thresholds. Compliance with prevailing wage rates is also required, and certified payroll records must be maintained.

City Building Permits & Inspections

All commercial construction in Louisiana 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 construction standards apply to all Louisiana job sites. Compliance with safety regulations is critical to avoid penalties and ensure worker safety.