Construction Insurance

A contractor can do everything right on a jobsite and still face a claim from a subcontractor's mistake, a theft of materials overnight or a contract clause nobody read closely. Construction insurance protects contractors, builders and project owners from those risks, and at AGEMA Insurance Solutions in Overland Park, KS, we build programs for general contractors, residential and commercial builders, trade and artisan contractors such as plumbing, HVAC and electrical, and heavy and civil engineering contractors. Crews that run vans and pickups can add commercial auto insurance, developers and owners can coordinate with commercial property insurance, while the AGEMA home page links to every line we place.

General Contractor Insurance

A Kansas general contractor's program usually combines general liability, workers' compensation, builder's risk, commercial auto and an umbrella. How those pieces are weighted depends on whether you self-perform the work, use subcontractors, sign owner contracts with special wording, or control materials and work in place. Inland marine protects tools, equipment and materials while they are in transit or stored at a job site, which a vehicle or building policy does not do. Firms that offer construction management or design-build services can add contractors professional liability for claims of negligence or errors in those services.

Contractor Liability Insurance and Contract Requirements

Most owner and general contractor contracts spell out the insurance before work starts. Contractor liability coverage responds to third-party bodily injury or property damage from your operations, both on and off the job site, and products and completed operations coverage reaches claims that surface after the project is handed over. Contracts commonly ask for additional insured endorsements for owners and developers and a waiver of subrogation, so we read the insurance section of each contract and match the policy and certificate to it. Every policy remains subject to the carrier's terms, exclusions and underwriting.

Builders Risk Insurance and Surety Bonds

A structure under construction is exposed to fire, theft and vandalism before anyone moves in. Builder's risk protects the structure and materials during the course of construction, and placing it at the completed project value keeps the limit in step with the work. Many public and private projects also require surety bonds, and we place bid bonds, performance bonds and payment bonds so you can qualify for that work.