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 Tennessee building department inspection and certificate of occupancy

Tennessee'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 Tennessee contracts
• Waiver of Subrogation as required by contract

Tennessee public-sector construction contracts often require substantial GL limits with comprehensive contractor endorsements. We ensure your contract insurance requirements are met before binding.

Workers' Compensation & Employers Liability

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

Tennessee's urban areas can present unique driving challenges. 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 Tennessee job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

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

Tennessee public contracts 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 Tennessee
• 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 Tennessee's design-build projects grow, GCs must ensure they have the right professional liability coverage to protect against design errors.

Tennessee Contractor Registration

Tennessee requires contractors to register with the state and provide proof of insurance for public projects. Each pre-qualification process requires current insurance certificates with specified limits, often including GL, WC, Auto, and umbrella. We provide all required certificates in the formats these agencies specify.

Public Project Bonding & Prevailing Wage

Tennessee's public construction contracts often require performance and payment bonds. Compliance with prevailing wage rates is also necessary, and certified payroll records must be maintained and submitted. Non-compliance can result in penalties.

City Building Permits & Inspections

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

OSHA Job Site Safety

Federal OSHA construction standards apply to all Tennessee commercial job sites. Compliance with safety regulations is critical to avoid citations that can affect your insurance eligibility and premium at renewal.