Commercial General Contractor Insurance

We write commercial GCs, not weekend handyman programs. If your work is residential remodel as a side book, say so — the appetite and the exclusions change. Our core placement is commercial and mixed-use work in the ten states we serve.

General liability for a GC is a contract-compliance product as much as a claim product. Per-project aggregates, primary-and-noncontributory wording, waiver of subrogation, and ongoing plus completed-operations additional-insured status are what owners and upstream GCs put in Exhibit B. We read the exhibit before we bind so the certificate is not a negotiation on Friday afternoon.

Subcontractor risk transfer is the other half of GL. We want certificates from your trades, and we want your subcontract to match the insurance exhibit you signed upstream. A GC who lets uninsured drywall or electrical on site is buying those trades' claims at retail.

Builders risk belongs on the project, in the name the contract requires. We also place contractors equipment and installation floaters so a stolen skid steer or a switchgear sitting on a pad is not a surprise uninsured. Commercial auto covers the pickup fleet, trailers, and hired/non-owned for project managers in personal cars.

Washington GCs register with L&I and buy industrial insurance for WA-situs crews through the state fund. We place stop-gap employer's liability and private workers compensation for crews in Oregon, Idaho, and the other competitive states we serve. We will not tell a Tukwila or Seattle GC that a private WC policy replaces L&I. Oregon CCB licensing and bonding is a parallel conversation we run with the surety file.

Surety — license bonds first, then bid, performance, and payment as you grow — should start before you chase the job that requires a bond tomorrow. We introduce financials and work-in-progress early so capacity exists when the bid desk opens.

Risks we actually schedule

• Completed-operations claims that appear after punch list — water intrusion, a failed assembly, a trade you thought was insured.
• Contractual additional-insured and primary wording that a basic certificate does not meet.
• Jobsite auto and tool theft, plus rented equipment the rental contract makes you primary for.
• Multi-state payroll: L&I in Washington, private WC elsewhere, and stop-gap in between.
• Bonding capacity that is not in place when a public or large private bid is due.