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 most West Virginia construction lenders before closing
• Should extend through local inspection and certificate of occupancy processes

West Virginia's varied terrain can increase theft exposure for staged materials-ensure limits are set at full completed value to avoid a coinsurance shortfall.

General Liability

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

Your GL needs vary at each phase-site security and pedestrian liability during construction, then tenant and visitor premises liability once occupied. Ensure your policy structure transitions smoothly to avoid gaps 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 contractor's 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 contractor, this coverage addresses claims that those decisions caused financial harm.

Workers' Compensation

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

Larger developments often use an OCIP wrap-up, which covers WC and GL for enrolled contractors under one master policy. 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 contractor contracts
• Required on public-private partnership projects and state-affiliated developments
• Subdivision and site improvement bonds for local approvals

Local site plan approvals frequently require performance bonds for public infrastructure improvements-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 West Virginia liability requirements once units are occupied

Once tenants move in, the project needs landlord liability meeting state statutory minimums and local rental registration requirements. We coordinate the Builders Risk-to-permanent-policy transition to ensure continuous coverage.

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 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 in West Virginia
• Covers cleanup costs and third-party claims from environmental conditions
• Often required as a condition of state redevelopment financing

A significant share of West Virginia'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.

State Financing & Compliance

Developers using state financing programs face specific compliance documentation requirements, often including proof of insurance coverage as a condition of funding disbursement. Coordinate your insurance program directly with your financing or compliance team to ensure requirements are satisfied at each draw or milestone.

Local Site Plan & Building Permits

Development projects in West Virginia 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 their own bonding and insurance conditions.

Rental Registration & Safety Compliance

Once a residential development is ready for occupancy, local rules require rental property registration and safety compliance before any unit can be leased. Insurance certificates are part of this compliance process, and state law sets minimum liability insurance requirements for rental property owners.

Environmental Obligations

Developers acquiring sites with prior industrial use may inherit environmental assessment and remediation obligations. Conducting thorough due diligence is essential to avoid unexpected liabilities.