Builders Risk (Course of Construction)

• Structures under construction, materials, equipment, and temporary works
• Fire, theft, vandalism, and certain weather perils during the build
• Soft costs, delay-in-completion, and Ordinance or Law endorsements available
• Required by virtually every Maine construction lender before closing
• Should extend through the state's inspection and certificate of occupancy process

Maine's varied weather conditions can add unique risks during construction. Set limits at full completed value to avoid a coinsurance shortfall.

General Liability

• Third-party bodily injury and property damage at your Maine project site
• Premises liability extending into the post-construction ownership period
• Additional Insured, Primary & Noncontributory, and Waiver of Subrogation for lenders, GCs, and local authorities
• Per-Project Aggregate for developers running multiple simultaneous Maine sites

Your GL needs matter differently at each phase - site security and pedestrian liability during construction, then tenant and visitor premises liability once occupied. Confirm your policy structure transitions cleanly rather than leaving a gap at lease-up.

Developers Professional Liability

• Protection against design, planning, and project management errors
• Claims alleging negligent site selection, feasibility analysis, or development oversight
• Distinct from a GC's Contractors E&O - addresses the developer's own decision-making exposure
• Particularly relevant for developers taking on design-build delivery or direct project management roles

If your firm makes development-level decisions - site feasibility, unit mix, project sequencing - beyond simply hiring and overseeing a GC, Developers Professional Liability addresses claims that those decisions caused financial harm.

Workers' Compensation

• Required by Maine law for any developer or owner with employees on-site
• Covers your own site supervisory and maintenance staff
• Doesn't replace each GC's and subcontractor's own WC - verify their coverage separately
• Owner-Controlled Insurance Programs (OCIP) are common on larger Maine developments

Larger Maine developments often use an OCIP wrap-up, which covers WC and GL for enrolled contractors under one master policy. If you're running an OCIP, confirm your own staff and any non-enrolled subs are still properly covered outside the wrap.

Surety Bonds

• License and permit bonds for development entity registration where applicable
• Performance and payment bond requirements that flow through from your GC contracts
• Required on Maine public-private partnership projects
• Subdivision and site improvement bonds for local approvals

Maine site plan approvals frequently require performance bonds for public infrastructure improvements tied to the development. Confirm bonding capacity is arranged well before your approval timeline.

Permanent Property & Landlord Liability (Post-Construction)

• Commercial property coverage replacing Builders Risk once construction is complete
• Landlord/premises liability for tenant and visitor injuries
• Loss of Rents coverage for vacancy or unit downtime after a covered loss
• Satisfies Maine liability requirements once units are occupied

Once tenants move in, the project needs landlord liability meeting Maine's statutory minimums and local rental registration requirements. We coordinate the Builders Risk-to-permanent-policy transition so coverage is continuous through lease-up.

Commercial Umbrella / Excess Liability

• Extra limits over GL, Auto, and Employers Liability - typically $5M-$25M+
• Often required by lenders and institutional partners
• Activates when a judgment or settlement exceeds underlying policy limits

Larger Maine development deals frequently specify $10M+ total liability as a financing condition. An umbrella is the most cost-efficient way to reach those thresholds above a standalone GL policy.

Pollution Liability (Site & Environmental)

• Addresses contamination conditions discovered during site acquisition or development
• Relevant for sites with prior industrial use along Maine's older corridors
• Covers cleanup costs and third-party claims from environmental conditions
• Often required as a condition of brownfield redevelopment financing

A significant share of Maine's developable land has industrial history. Environmental due diligence before acquisition, paired with Pollution Liability, protects against inheriting cleanup obligations from a prior owner's contamination.

Maine Environmental Compliance

Developers in Maine must adhere to state-specific environmental regulations, which can impact insurance requirements. Coordinate your insurance program directly with your compliance team to ensure all documentation is satisfied.

Maine Site Plan & Building Permits

Development projects in Maine require site plan approval and building permits through local authorities, with inspections at each phase. Larger projects may also require additional approvals, which can carry its own bonding and insurance conditions.

Rental Registration & Compliance

Once a residential development is ready for occupancy, Maine rules require rental property registration and compliance documentation before any unit can be leased. Insurance certificates are part of this compliance process.

Maine Industrial Site Recovery Act (ISRA)

Developers acquiring sites with prior industrial use may inherit ISRA environmental assessment and remediation obligations. Ensure compliance with these regulations to avoid potential liabilities.