Builders Risk

• Coverage for structures under construction, installed materials, and temporary works
• Materials stored on-site, in transit, or at fabrication yards
• Protection against fire, theft, vandalism, and collapse during construction
• Soft costs endorsement: architect/engineering fees, permit costs, loan interest during delays
• Limit set to completed project value - not just materials in place
• Coverage extended through building inspections and certificate of occupancy

North Carolina's urban sites may face higher theft and vandalism risks. Ensure limits reflect completed project value and include appropriate theft sublimits.

General Liability

• Third-party bodily injury and property damage from construction operations
• Products & Completed Operations coverage for post-completion claims
• 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 contracts
• Waiver of Subrogation as required by contract

Public-sector contracts in North Carolina often require higher GL limits with comprehensive contractor endorsements. We review your contract insurance requirements before binding.

Workers' Compensation & Employers Liability

• Required by NC law for any business with employees
• Covers medical bills, lost wages, and rehabilitation for injured workers
• Protection against falls, struck-by incidents, and tool injuries
• Employers Liability protects against employee negligence suits
• Wrap-up / OCIP compatibility for projects with controlled WC programs
• Documentation for prevailing wage compliance often required on public projects

Construction is a high-risk industry in North Carolina. Accurate payroll classification is critical to avoid audit adjustments and penalties.

Commercial Auto & Fleet

• Coverage for owned vehicles: dump trucks, flatbeds, crew vans, and equipment haulers
• Liability for accidents on major highways and city streets
• Physical damage coverage for fleet vehicles
• Hired & Non-Owned Auto for subcontractors' and employees' vehicles
• Pollution liability endorsement for vehicles transporting regulated materials
• Higher limits typically required by public project owners

North Carolina's urban areas may have higher accident rates. Ensure your driver list is current and MVRs are reviewed annually.

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 job sites and off-site storage
• Theft, collision, and mysterious disappearance coverage

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

Surety Bonds

• Bid Bond: guarantees contract execution if awarded
• Performance Bond: guarantees project completion
• Payment Bond: ensures subcontractors and suppliers are paid
• Required on public contracts in North Carolina
• Increasingly required on large private developments
• Bond capacity determined by financial strength and experience

Public contracts in North Carolina consistently require performance and payment bonds. We arrange bonds alongside your insurance program for efficiency.

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 large commercial developers and public entities
• Can be structured to follow-form over GL and Auto

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 the GC
• Required for design-build delivery where the builder holds design responsibility
• Protects against claims alleging design defects post-completion

As North Carolina's design-build projects grow, GCs must ensure they have the right professional liability coverage in place.

NC Contractor Registration

North Carolina requires contractors to be licensed and provide proof of insurance for public projects. Ensure compliance with all local regulations and maintain current insurance certificates.

Public Project Bonding & Prevailing Wage

North Carolina law requires performance and payment bonds on public construction contracts exceeding $100,000. Compliance with prevailing wage rates is also mandatory, with certified payroll records required.

Building Permits & Inspections

All commercial construction in North Carolina 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 commercial job sites in North Carolina. Compliance with safety regulations is critical to avoid penalties and ensure worker safety.