Coverage that clears the contract, not just the checklist.
General contractors, trades, and developers live on contracts, and most coverage failures start there. We read the indemnity and insurance language before we place anything, so the program lines up with what you actually signed.
The gap that hurts is rarely a missing policy — it is a certificate that doesn't match the contract, an additional-insured endorsement that isn't primary and non-contributory, or a completed-operations tail that lapsed the year after the job closed. Those are the failures that turn into a denied claim or a stalled draw.
We build builder's risk, wrap-ups (OCIP/CCIP), general liability, and umbrella so they answer the agreement, and we keep certificates current so they clear the first time. When the claim comes, the answer is in the policy deck rather than a negotiation.
What we cover
Builder's risk
The structure as it rises — materials, labor, and the soft costs a delay starts charging interest on.
Wrap-ups (OCIP / CCIP)
One program across the whole project, so every trade is covered on the same terms and the certificates reconcile.
General liability & completed operations
The third-party exposure during the work and the tail after it closes — written primary and non-contributory where the contract demands it.
Umbrella & excess
The limit the contract requires, sized above the primary so a single loss doesn't exhaust the tower.
What goes wrong
The certificate doesn't match the contract
An additional-insured endorsement that isn't primary and non-contributory, so the loss tenders back to you instead of the party you signed with.
The completed-operations tail lapsed
A defect surfaces the year after the job closed, and the policy that should have answered it is already gone.
A trade fell outside the wrap
One sub working off the OCIP/CCIP enrollment shows up uncovered on the single loss that names everyone on the project.
How it works
We read the contract first
Indemnity, insurance requirements, and additional-insured language — before anything is placed.
We place to match
Coverage and endorsements built to satisfy what you signed, not a generic template.
We keep certificates current
So they clear the first time and stay clean through the job.
Request a review
Send us your current policies and loss runs. We'll give you an honest read on where you stand — no obligation either way.
Request a risk review