General Liability Insurance for Tract Home Builders: What Homebuilders Need to Know

Tract home builders face a liability profile that differs from a custom home contractor building one residence at a time. You may manage dozens of units, multiple buildings, several subcontractor tiers, long construction schedules, phased closings, and warranty obligations that continue long after the last crew leaves the development.

That scale creates a central insurance question:

Does your commercial general liability policy protect the full tract operation, including completed homes, subcontractor work, construction defect allegations, and claims that involve multiple units?

The answer depends on the actual policy form, endorsements, exclusions, limits, aggregate structure, and underwriting assumptions. A certificate of insurance does not answer that question by itself.

This guide explains tract home builder general liability, including the standard CGL structure, common limits, completed operations, per-project aggregates, underwriting requirements, exclusions, contract endorsements, and buying considerations for Connecticut and Northeast builders.

If you are comparing the broader insurance program for a production builder, start with Tract Home Builder Insurance: A 2026 Guide for Homebuilders and Residential Contractors.

Insurance review note: This article is educational. It does not change, interpret, or guarantee coverage under any policy. Your declarations, forms, endorsements, exclusions, deductibles, retentions, and applicable law control.

What is general liability insurance for a tract home builder?

Commercial general liability insurance, commonly called CGL or contractor general liability, protects a business against covered claims alleging third-party bodily injury, property damage, or personal and advertising injury arising from business operations.

For a tract builder, those operations may include:

• Land development and site preparation

• Excavation, grading, utility installation, and road work

• Foundation and framing operations

• Management of subcontractors

• Construction of multiple residential units

• Sales and marketing activities

• Warranty and post-completion activities

• Temporary jobsite premises

• Delivery, storage, and movement of construction materials

CGL is a liability policy. It is not property insurance for the homes under construction. It does not replace workers’ compensation, commercial auto, builders risk, pollution liability, professional liability, or surety bonds.

The general liability insurance overview from Insure Connecticut explains the basic distinction between third-party liability claims and other business risks.

For broader protection, a builder may need a coordinated insurance program that includes:

• Commercial general liability

• Workers’ compensation and employers liability

• Commercial auto

• Builders risk

• Contractors equipment or inland marine

• Umbrella or excess liability

• Pollution liability

• Contractors professional liability

• Employment practices liability

• Cyber liability

• Surety bonds

The correct program depends on how your company operates. A developer that hires a general contractor has a different risk profile from a builder that acts as developer, GC, and construction manager.

How does a standard CGL policy work?

A standard CGL policy is generally organized into three primary coverage sections.

Coverage	What it addresses	Tract builder example
Coverage A	Bodily injury and property damage liability	A visitor is injured at an active site, or a construction operation damages a neighboring property
Coverage B	Personal and advertising injury	A claim alleges libel, slander, wrongful eviction, invasion of privacy, or certain advertising offenses
Coverage C	Medical payments	A limited payment for certain minor injuries occurring on premises or arising from operations, without requiring proof of negligence

Coverage A: bodily injury and property damage

Coverage A is the central liability protection for construction operations. It addresses covered claims alleging that your operations caused:

• Physical injury to a third party

• Physical damage to tangible property

• Loss of use of property that has not been physically injured, where the policy definition applies

Examples include:

• A delivery driver falls into an unmarked excavation area.

• A crane operation damages a neighboring structure.

• A subcontractor’s work causes water to enter an adjacent occupied unit.

• A defective railing later fails and injures a resident.

• Construction debris damages a third party’s vehicle.

Coverage A does not automatically pay every construction claim. The claim must satisfy the policy’s definitions and conditions, and exclusions may apply.

Coverage B: personal and advertising injury

Coverage B is less central to construction defect risk, but it remains part of the standard CGL structure. It may address specific offenses such as:

• Libel or slander

• Certain forms of disparagement

• Wrongful eviction or wrongful entry

• Invasion of privacy

• Certain advertising-related offenses

Coverage B is not professional liability coverage. It does not insure every disagreement involving your marketing, sales representations, architectural plans, or business communications.

Coverage C: medical payments

Medical payments coverage is usually narrower and subject to a smaller limit. It can address certain medical expenses for an injury occurring on your premises or arising from your operations, regardless of whether you are legally liable.

It does not replace workers’ compensation. It does not provide broad coverage for a serious workplace injury involving your employee. It also does not eliminate the need to report incidents and preserve evidence.

What limits should a tract home builder carry?

A common baseline for contractor general liability is:

• $1 million each occurrence

• $2 million general aggregate

• $2 million products-completed operations aggregate

That $1 million/$2 million structure is a common starting point in construction contracts and is consistent with the baseline discussed for the tract-builder market referenced in this article. It is not a universal legal requirement, a guaranteed quote, or a sufficient limit for every development.

The right limits depend on:

• Number of units

• Number of buildings

• Construction value

• Maximum construction height

• Construction type

• Annual revenue and receipts

• Subcontractor costs

• Geographic territory

• Number of active projects

• Project duration

• Completed operations exposure

• Contractual indemnity requirements

• Loss history

• Available excess or umbrella capacity

A 12-unit development and a 180-unit phased subdivision do not present the same limit requirement. A builder working near dense urban properties, public roads, coastal areas, or large excavation sites may need higher limits than a builder operating on a low-density site.

Each occurrence limit

The each occurrence limit is the most the policy may pay for one occurrence, subject to the policy terms and applicable aggregates.

For example, a policy with a $1 million each occurrence limit does not automatically provide $1 million for every claimant in every situation. Multiple claims may arise from one occurrence, and the policy may apply one occurrence limit to the related claims.

Courts and insurers may also dispute what constitutes one occurrence in a construction defect matter. A single installation error affecting several units may create complex questions involving timing, causation, and the number of occurrences.

General aggregate limit

The general aggregate is the most the insurer may pay for covered claims during the policy period for covered categories that fall within the general aggregate.

Without a per-project structure, the general aggregate may be shared across:

• All subdivisions

• All units

• All ongoing operations

• All customers and third parties

• All projects insured under the policy

One serious claim can reduce the remaining limit available for unrelated operations.

Products-completed operations aggregate

The products-completed operations aggregate applies to covered bodily injury and property damage claims arising from completed work or products, subject to policy language and exclusions.

This coverage matters because many residential construction claims appear after:

• A unit closes

• A homeowner takes possession

• A condominium or homeowners association begins operations

• A project is substantially complete

• A weather event exposes a building-envelope problem

• A plumbing, electrical, roofing, or structural issue develops over time

A policy may show a separate products-completed operations aggregate, but that does not mean every construction defect claim is covered. The claim still must involve covered bodily injury or property damage and must avoid applicable exclusions.

Per-project aggregate

A per-project aggregate endorsement can apply a separate general aggregate limit to each project rather than sharing one aggregate across every job.

This matters for tract work because your exposure is concentrated across many similar units. A single defect allegation involving one product, installation method, or subcontractor can affect an entire phase or development.

A per-project aggregate can help separate the available general aggregate by project. However, you must review the endorsement carefully. Do not assume that a per-project aggregate automatically creates a separate products-completed operations aggregate for every subdivision.

Ask these questions:

• Does the endorsement apply to the general aggregate only?

• Does it apply to products-completed operations?

• How does the policy define “project”?

• Does each phase qualify as a separate project?

• Are multiple developments treated as one project?

• Does the endorsement apply to completed operations after a project is finished?

• Does the contract require a specific endorsement form?

The wording controls.

Why completed operations coverage is critical for tract work

Products-completed operations coverage addresses covered bodily injury or property damage arising from work after the work has been completed, subject to the policy’s terms.

The exposure is significant for tract builders because construction problems often become visible after occupancy. Examples include:

• A flashing failure permits water into wall cavities.

• A roofing installation error causes damage to ceilings and flooring.

• A plumbing connection fails and damages finished interiors.

• A deck or railing failure injures a resident.

• A construction operation damages a neighboring property after completion.

• A defect in one building component causes physical damage to another component.

CGL does not usually function as a warranty policy. The cost to repair or replace your own defective work is often excluded under the “your work” exclusion or related provisions. Resulting property damage may receive different treatment.

For example:

• The cost to replace improperly installed flashing may be excluded.

• Water damage to drywall, flooring, insulation, or personal property may be treated separately.

• A claim involving only cosmetic defects may be a warranty or contract dispute rather than a CGL claim.

• A claim involving physical injury or damage to other property may trigger a coverage analysis.

The distinction is fact-specific. The policy’s definition of property damage, the “your work” exclusion, the subcontractor exception, and state law all matter.

The National Association of Home Builders discussion of insurance coverage for latent defect claims provides additional background on the complexity of construction defect coverage.

Occurrence versus claims-made coverage

Most standard CGL policies are written on an occurrence basis.

An occurrence policy generally looks to when bodily injury or property damage occurred, not only when the claim was reported. A defect claim discovered years after completion can involve several coverage questions:

• When did the property damage occur?

• Was the damage continuous or progressive?

• Which policy periods were triggered?

• Which policy was in force when the damage occurred?

• Did a completed operations aggregate apply?

• Did the builder maintain continuous coverage?

• Did a prior work or prior completed operations exclusion apply?

A claims-made policy generally responds when the claim is first made and reported during the policy period, subject to a retroactive date and other conditions.

Claims-made structures are more common in professional liability and certain specialty lines than in standard contractor CGL. If a proposed policy uses claims-made wording or includes claims-made endorsements, understand:

• The retroactive date

• Reporting requirements

• Extended reporting options

• Prior acts coverage

• How a carrier change affects old work

• Whether the policy covers claims arising from completed operations

Do not assume that changing insurers eliminates your responsibility for maintaining continuity. A new carrier may restrict prior work, completed operations, or claims tied to construction completed before a stated date.

What construction defect allegations does CGL cover?

CGL is not designed to guarantee workmanship. It responds to covered liability claims, not every contractual obligation.

Claims that may involve CGL analysis

These claims may involve Coverage A, depending on facts and policy language:

• A visitor suffers bodily injury at a jobsite.

• A construction activity damages a neighbor’s property.

• Defective work causes physical damage to other building components.

• A completed installation fails and injures a third party.

• A subcontractor’s work causes covered damage after completion.

• A fire caused by construction operations damages property belonging to others.

Claims that may fall outside standard CGL

These claims often create coverage problems:

• The work is unattractive but causes no physical damage.

• The builder must redo its own defective work.

• A project is delayed without covered property damage.

• The builder fails to meet a contract specification.

• A design error is treated as professional services.

• A pollution event falls within a pollution exclusion.

• An employee is injured during work.

• A company vehicle causes an accident.

• A subcontractor dispute concerns only unpaid invoices.

A CGL policy is not a substitute for a builder warranty, performance bond, professional liability policy, or pollution policy.

Exclusions tract home builders must review carefully

The declarations page may show broad limits while endorsements materially reduce the protection available for tract work. Review these exclusions before binding coverage.

Construction defect exclusions

Some markets restrict or exclude construction defect exposure, residential construction, completed operations, or specific classes of residential work.

Ask directly:

• Is tract home work accepted?

• Is production residential work accepted?

• Is new residential construction excluded?

• Are townhomes, condominiums, or multifamily buildings excluded?

• Is completed residential work limited?

• Does the policy contain a designated construction defect exclusion?

Never rely on a generic description such as “contractor liability.” Confirm that the actual operations are listed and accepted.

Your work and faulty workmanship exclusions

CGL commonly excludes the cost to repair or replace defective work. The policy may distinguish between:

• The defective work itself

• Damage to other work

• Damage caused by a subcontractor

• Damage occurring during ongoing operations

• Damage occurring after completion

The subcontractor exception to the “your work” exclusion can be important for a builder that subcontracts most construction. It does not create unlimited defect protection. It does not eliminate every exclusion. It does not replace contractual risk transfer.

Subsidence, earth movement, and foundation exclusions

Connecticut and the Northeast can involve ledge, fill, groundwater, changing soil conditions, freeze-thaw cycles, grading issues, and complex foundation work.

Review exclusions involving:

• Subsidence

• Earth movement

• Settling

• Soil movement

• Collapse

• Foundation work

• Retaining walls

• Excavation

• Grading

• Shoring

A policy may include some coverage, exclude some causes, or impose a sublimit. Your project engineering, geotechnical reports, contracts, and risk controls remain important.

EIFS and exterior wall systems

Exterior insulation and finishing systems, stucco, cladding, and building-envelope work can create significant water-intrusion allegations.

Check for:

• EIFS exclusions

• Stucco limitations

• Exterior wall system exclusions

• Water intrusion exclusions

• Mold or fungi limitations

• Completed operations restrictions

Mold, fungi, and bacteria

Water intrusion claims can lead to mold allegations. Standard CGL policies may exclude fungi, mold, bacteria, microbial matter, or related costs, or may provide limited coverage through an endorsement.

Ask whether the program includes:

• Mold or fungi coverage

• A sublimit

• Defense coverage

• Remediation coverage

• Pollution liability coordination

• Coverage for completed operations

• Coverage for third-party property damage

Do not assume that a covered water loss automatically means mold remediation is covered.

Silica and respiratory hazards

Cutting, grinding, drilling, and demolition can generate silica exposures. CGL policies may include silica exclusions or restrictions. Workers’ compensation, employers liability, safety programs, and pollution or environmental coverage may address different parts of the risk.

Roofing and water intrusion

Roofing may be excluded, restricted, or rated separately. Water intrusion may also be subject to a specific exclusion or limitation.

Confirm that the policy accurately reflects your operations if you:

• Self-perform roofing

• Hire roofing subcontractors

• Install membranes

• Perform waterproofing

• Complete flashing work

• Work on multifamily or attached housing

• Conduct repairs after occupancy

How subcontractor controls affect your insurance

Underwriters examine how you select, supervise, and transfer risk to subcontractors.

A strong subcontractor control program includes:

• Written contracts before work begins

• Certificates of insurance collected before mobilization

• Verification that coverage is active

• Appropriate limits for the subcontractor’s trade

• Products-completed operations coverage

• Additional insured status

• Primary and noncontributory wording

• Waiver of subrogation where required

• Indemnification language reviewed by counsel

• Consistent certificate tracking

• Procedures for uninsured or underinsured subcontractors

• Quality-control documentation

• Safety requirements

• Written change-order procedures

Your own CGL policy and a subcontractor’s policy serve different purposes. You may be named as an additional insured on a subcontractor policy, while the subcontractor may be insured under your project program. Coordinate the policies instead of assuming one replaces the other.

Additional insured and contract endorsements

Owners, lenders, general contractors, developers, and municipalities often request specific insurance terms.

Additional insured

An additional insured is a party granted some insurance protection under another party’s policy through an endorsement.

The protection is not necessarily as broad as the named insured’s protection. The endorsement may limit coverage to liability caused, in whole or in part, by the named insured’s acts or omissions. The endorsement may also restrict coverage to ongoing operations or a specific project.

Common construction forms include:

• CG 20 10 for certain ongoing operations

• CG 20 37 for certain completed operations

Forms change over time and may be modified by carriers. Review the actual endorsement rather than relying on the form number alone.

Primary and noncontributory

Primary and noncontributory wording generally means the contractor’s insurance responds before the additional insured’s own insurance, and the additional insured’s policy does not share the loss, subject to the wording and applicable law.

This requirement must appear in the contract and be supported by the policy or endorsement. A certificate alone does not create coverage.

Waiver of subrogation

A waiver of subrogation limits the insurer’s ability to pursue recovery from a protected party after paying a covered claim.

It usually must be required by written contract and supported by an endorsement or policy provision. It can affect recovery rights and should be reviewed with the contract.

Completed operations additional insured status

A builder may be required to provide completed operations additional insured status to an owner or general contractor for a specified period after completion.

This is critical for residential developments because defect allegations can arise after:

• Substantial completion

• Final inspection

• Certificate of occupancy

• Closing

• Transfer to a homeowners association

• Sale to a subsequent owner

The required duration may be defined by the contract, lender, project owner, statute of limitations, or statute of repose. Ask an attorney and licensed insurance professional to coordinate the requirements.

What underwriters review before offering tract work CGL

A tract home builder should prepare a complete submission. Missing information can delay underwriting or produce restrictive terms.

Underwriters commonly request:

ACORD 125

The ACORD 125 is a standard commercial insurance application that provides basic information about the business, locations, ownership, operations, revenue, and requested coverage.

ACORD 126

The ACORD 126 provides additional liability information, including operations, locations, subcontracting, employees, and requested liability limits.

Supplemental construction applications

A construction supplement may ask for:

• Residential versus commercial work

• Custom versus tract work

• Number of units

• Number of projects

• Average and maximum project size

• Construction cost

• Construction type

• Number of stories

• Percentage subcontracted

• Self-performed trades

• Roofing, excavation, foundation, or framing exposure

• Geographic territory

• Coastal or flood exposure

• Use of wrap-up programs

• Warranty procedures

• Quality-control processes

Five years of loss runs

Most underwriters expect current loss runs, often for five years. The reports should come directly from prior insurers or authorized sources and should show:

• Open claims

• Closed claims

• Paid amounts

• Reserves

• Claim descriptions

• Coverage years

• Outstanding litigation

A loss run without a narrative may not explain what actually happened. Prepare a clear narrative for significant or recurring claims.

Claim narratives

Explain:

• Cause

• Date

• Project

• Number of units affected

• Corrective action

• Subcontractor involvement

• Insurance tender

• Current status

• Measures taken to prevent recurrence

Underwriters evaluate how management responds to losses, not only the number of claims.

Subcontractor controls

Provide a written description of how you verify insurance, contracts, licenses, safety, quality, and completed operations coverage.

Builder contracts

Underwriters may review sample contracts, indemnity provisions, insurance requirements, warranty obligations, additional insured requirements, and dispute-resolution terms.

How much does tract home builder general liability cost?

There is no reliable one-size-fits-all price for tract home builder CGL. A small artisan contractor and a regional production builder may both describe themselves as homebuilders, but their premiums can differ substantially.

Underwriters typically consider:

• Gross receipts

• Payroll

• Subcontractor costs

• Number of units

• Total project value

• Annual construction volume

• Construction territory

• Building type and height

• Trade mix

• Self-performed work

• Loss history

• Requested limits

• Deductible or self-insured retention

• Completed operations terms

• Construction defect restrictions

• Mold, EIFS, roofing, or subsidence exposure

• Financial condition

• Contracting practices

• Safety program

• Prior carrier history

A lower premium may reflect a narrower policy. For example, a quote may use a lower rate but include:

• Residential construction exclusions

• Restricted completed operations

• Limited subcontractor coverage

• High deductibles

• Defense costs inside limits

• Prior work exclusions

• Mold or water-intrusion exclusions

• A shared aggregate

• No per-project aggregate

The correct comparison is not simply the annual premium. Compare the total insurance structure and the exclusions that affect your actual projects.

Annual CGL, project-specific coverage, or wrap-up?

Tract builders may use different structures.

Structure	Best suited for	Main consideration
Annual practice policy	Builders with recurring operations across multiple projects	Review shared aggregates, completed operations, and project endorsements
Project-specific policy	A defined development with distinct ownership or financing	Confirm who is insured and how long completed operations continues
OCIP or CCIP wrap-up	Large projects where the owner or contractor enrolls multiple parties	Confirm which parties and operations are included and avoid gaps outside the wrap-up
Annual policy plus project-specific layers	Builders with a regular operation and unusually large developments	Coordinate limits, exclusions, retentions, and additional insured status

XS Brokers publicly lists construction products including primary general liability, excess liability, workers’ compensation, errors and omissions, environmental liability, builders risk, and contractor’s equipment. The public page does not replace a project-specific underwriting confirmation. Request written confirmation that your tract work, unit volume, territory, and completed operations exposure fit the offered program.

You can also review the commercial construction insurance information at Icon Insurance Solutions as an additional industry reference. It is not a substitute for reviewing your own policy forms and endorsements.

CGL versus builders risk

Builders risk and CGL protect different interests.

Policy	Primary purpose
CGL	Third-party bodily injury, property damage, and personal or advertising injury liability
Builders risk	Physical loss or damage to the building, materials, and eligible construction property
Workers’ compensation	Employee work-related injuries and illnesses
Commercial auto	Liability and physical damage arising from covered business vehicles
Professional liability	Certain design, consulting, or professional service allegations
Pollution liability	Certain pollution, environmental, mold, or contaminant exposures
Surety bond	Contractual performance or payment obligations, depending on the bond

CGL does not insure the structure simply because it is under construction. Builders risk does not provide general liability protection for a visitor injured at the site. Treating one policy as a substitute for another creates a serious coverage gap.

For additional context, see the Wikipedia overview of commercial general liability insurance and the Insure Connecticut guide to builders risk insurance and construction coverage.

A buying checklist for Connecticut and Northeast builders

Before you bind or renew a tract work CGL policy, confirm the following:

• Your application accurately describes tract and production residential work.

• The policy accepts your states and project locations.

• The number of units and construction values are disclosed.

• The policy shows at least the limits required by your contracts.

• Products-completed operations coverage is included.

• The products-completed operations aggregate is adequate for the development.

• Per-project aggregate wording matches the contract.

• Per-project treatment applies to the correct phases and projects.

• The subcontractor exception is present where needed.

• Residential, townhouse, condominium, or tract exclusions are addressed.

• Construction defect restrictions are understood.

• Subsidence and earth movement terms fit the project.

• EIFS, stucco, roofing, silica, mold, and water intrusion terms are reviewed.

• Additional insured endorsements match the contract.

• Primary and noncontributory wording is supported.

• Waivers of subrogation are issued when required.

• Completed operations additional insured status is included when required.

• Prior work exclusions do not create an unintended gap.

• Wrap-up exclusions apply only to projects actually enrolled in a wrap-up.

• Defense costs are clearly understood.

• The deductible or self-insured retention is financially manageable.

• Umbrella or excess coverage follows the underlying policy where required.

• Certificates are not used as a substitute for endorsements.

You can also review general liability coverage for Connecticut businesses and commercial insurance options for Connecticut businesses.

Frequently asked questions

Is general liability insurance required for tract home builders in Connecticut?

Legal, licensing, registration, municipal, lender, and contract requirements can differ. Even when a particular rule does not require a specific CGL limit, owners, lenders, municipalities, general contractors, and subcontractor agreements commonly require proof of liability insurance. Confirm current requirements for your business and project.

What is a common CGL limit for a tract home builder?

A common starting structure is $1 million each occurrence and $2 million aggregate, often with a $2 million products-completed operations aggregate. Larger developments may require higher limits, per-project aggregates, or excess liability.

Does CGL cover construction defects?

CGL may address covered bodily injury or property damage resulting from a construction defect. It generally does not operate as a warranty for the cost of correcting defective work. The policy wording, subcontractor exception, exclusions, occurrence trigger, and applicable law determine the result.

Does CGL cover the cost to rebuild a defective home?

Usually, the cost to repair or replace your own defective work presents a coverage issue under the “your work” exclusion and related provisions. Resulting damage to other property may receive different treatment. Do not assume either outcome without reviewing the policy and facts.

Why is completed operations coverage important?

Many residential construction allegations arise after homes are occupied. Completed operations coverage addresses certain covered bodily injury and property damage claims arising from completed work, subject to exclusions, limits, aggregates, and other policy conditions.

What is a per-project aggregate?

A per-project aggregate endorsement can provide a separate general aggregate limit for each project. The endorsement wording controls whether it applies to completed operations and how it defines a project or phase.

Do I need additional insured coverage for the owner or GC?

Your contract may require it. The requested endorsement should match the operations, project, and completed operations period. A certificate of insurance alone does not grant additional insured status.

What information does an underwriter need?

Expect to provide ACORD 125 and 126 applications, construction supplements, five years of loss runs, claim narratives, subcontractor procedures, sample contracts, project information, unit counts, construction values, and details about self-performed trades.

Can a standard small contractor policy cover tract work?

Some policies may accept limited residential work but exclude or restrict tract construction, new construction, completed operations, or large unit counts. Confirm that the actual policy accepts your operation before relying on it.

Does builders risk replace CGL?

No. Builders risk generally covers eligible physical loss or damage to construction property. CGL addresses covered liability claims involving third parties. A builder commonly needs both, along with other coverage lines.

Should I add umbrella or excess liability?

Consider excess or umbrella liability when project contracts, lenders, assets, unit count, construction hazards, or completed operations exposure exceed the underlying CGL limits. The excess policy must be reviewed for residential construction exclusions and follow-form limitations.

Where can I learn more about contractor liability coverage?

The XS Brokers construction page describes construction insurance products available through its platform. You can also review this YouTube search for contractor general liability and completed operations explanations and a Reddit discussion comparing builders risk and contractor liability concepts. Use public discussions as general education, not as policy interpretation.

Final takeaway

Tract home builder CGL requires more than a $1 million certificate.

Your insurance program must address the way your business actually builds:

• Multiple units

• Repeated construction methods

• Multiple subcontractors

• Phased completion

• Long-tail defect allegations

• Northeast weather and site conditions

• Contractual insurance requirements

• Completed operations exposure

• Shared or project-specific aggregates

The most important step is to compare the policy against your contracts and projects before a claim occurs. Review the exclusions, endorsements, limits, aggregate treatment, subcontractor provisions, and completed operations wording line by line.

Request a commercial insurance review from Insure Connecticut LLC before your next tract project begins. Our independent team can compare options for general liability, workers’ compensation, builders risk, commercial auto, umbrella, and related construction coverages across Connecticut and the Northeast. Start with the commercial insurance team.