As a GC, your insurance program has to satisfy your contracts, cover your subs, and protect your business on every project.
General contractors carry liability from every trade on every project. A generic policy leaves gaps that surface at the worst possible time.
Every contract you sign creates insurance obligations: additional insured endorsements, waivers of subrogation, primary and non-contributory language. Your policy needs to deliver on all of them.
Managing COIs from dozens of subs across multiple projects is a full-time job. When a sub's coverage lapses, the liability transfers to you.
Different projects carry different risk profiles. A ground-up residential build has different exposure than a commercial tenant improvement. Per-project aggregates matter.
GCs routinely need $5M or more in total limits. If your umbrella doesn't follow form over your GL, auto, and WC, you have a gap, and gaps become claims.
General contractors sit at the center of every project's risk. You're responsible for your own operations, your subcontractors' work, and the contractual obligations that tie everything together. We build insurance programs that address all three.
With over 30 years in commercial insurance, Chris Irion understands the GC's position: the contracts you sign, the subs you manage, and the claims that can arise years after a project is complete. We structure programs that satisfy your contract requirements and protect your business at every stage.
A comprehensive GC insurance program addresses liability, property, and contractual risk across every active project.
Third-party injury and property damage protection with per-project aggregate options for multi-project GC operations.
Learn moreCover your direct employees and manage sub exposure. Proper classifications prevent costly audit surprises at year end.
Learn moreProtect your fleet of trucks, vans, and equipment haulers that move between jobsites daily.
Learn moreHigher limits above your GL, auto, and WC to meet contract requirements on commercial and government projects.
Learn moreProtect structures under construction from damage, theft, and weather events throughout the build.
Learn moreCover tools, equipment, and materials in transit or stored at active construction sites.
Learn more"We were running three projects and using a policy that didn't have per-project aggregates. Chris restructured our entire program and got us proper limits on every job. The difference was night and day."
Florida general contractors typically need general liability insurance, workers compensation, commercial auto, umbrella/excess liability, builders risk, and inland marine coverage. Your specific requirements depend on the types of projects you take on, your contract obligations, and the number of subcontractors you manage.
Managing certificates of insurance (COIs) from subcontractors requires verifying coverage before work begins, tracking expiration dates, confirming your company is listed as an additional insured, and ensuring each sub carries limits that meet your contract requirements. When a sub's coverage lapses mid-project, the liability transfers to you.
A per-project aggregate means your general liability policy provides a separate aggregate limit for each project rather than one shared aggregate across all projects. Without it, a large claim on one project could exhaust your aggregate and leave other active projects without coverage.
Most Florida general contractors need between $2,000,000 and $10,000,000 in umbrella or excess liability coverage, depending on the size and type of projects they handle. Commercial projects, government contracts, and residential construction often require higher limits. Your umbrella policy should follow form over your GL, commercial auto, and workers comp to avoid gaps.
Standard GL policies include some contractual liability coverage, but many GC contracts require specific endorsements beyond the standard form: additional insured status for project owners, waivers of subrogation, and primary and non-contributory language. If your policy doesn't include these endorsements, you may be in breach of contract before work even begins.
We'll review your contracts, your current coverage, and your subcontractor management process to build an insurance program that works for the way you operate.
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