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 Pennsylvania building department inspection and certificate of occupancy

Pennsylvania's urban sites may face theft and vandalism risks not present in rural 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 Pennsylvania contracts
• Waiver of Subrogation as required by contract

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

Workers' Compensation & Employers Liability

• Required by PA 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

Construction is a high-risk industry in Pennsylvania. 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 Pennsylvania 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

Commercial fleets operating in urban areas face above-average 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 job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

Heavy construction equipment is frequently targeted for theft. Ensure adequate coverage and security protocols are 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 Pennsylvania
• Increasingly required on large private commercial developments
• Bond capacity determined by financial strength, experience, and banking relationships

Public contracts in Pennsylvania 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 Pennsylvania
• 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.

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 design-build projects grow in Pennsylvania, GCs taking on design responsibility need separate Professional Liability coverage.

PA Contractor Registration

Pennsylvania requires contractors to register with the Department of State and provide proof of insurance for public projects. Each public entity may have specific pre-qualification requirements, including current insurance certificates with specified limits.

Public Project Bonding & Prevailing Wage

Pennsylvania's Public Works Contractors' Bond Law mandates performance and payment bonds on public construction contracts exceeding $100,000. Compliance with prevailing wage laws is also required, with certified payroll records maintained and submitted.

Building Permits & Inspections

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

OSHA Job Site Safety

Federal OSHA construction standards apply to all Pennsylvania job sites. Compliance with safety regulations is critical, as violations can affect your insurance eligibility and premium at renewal.