Contractor's Liability

	Contractor's professional liability
	Protection for failure to detect the faulty workmanship of others Retroactive coverage available for eligible firms Coverage for your own liability from design services performed by: In-house staff Design firms as subcontractors Joint ventures with design firms Agency & at-risk construction management services Available limits from $500,000 to $30 million (higher limits may be available upon request Self-insured retention levels: General contractors - $10,000 Specialty contractors - $5,000 Minimum premiums: General contractors - $6,500 Specialty contractors - $3,500 Punitive, exemplary, or multiplied damages payable to the fullest extent of the law Basic policy excess over project specific policies Automatic 90 day coverage for newly acquired subsidiaries Legal fee and expenses reimbursement for up to $25,000 per year for ADA & FHA actions
	Contractor's pollution liability Coverage for job site and vicarious liability Retroactive coverage available for eligible firms Available limits from $250,000 to $30 million (higher limits may be available upon request) Self-insured retention level for general and specialty contractors is $5,000 Minimum premium for general and specialty contractors is $2,500 Covers most environmental expenses
	Combined policy All the protection and coverage of professional liability and pollution policies combined into one Available limits from $500,000 to $30 million (higher limits may be available upon request) Self-insured retention levels: General contractors $10,000 Specialty contractors $5,000 Minimum combined premiums: General Contractors $8,500 Specialty contractors $5,000 Protection for generation, transportation, storage or disposal of pollutants Coverage for clean-up costs
	Contractor's Project Insurance Minimum premium is $10,000 for a $1,000,000 minimum limit Available limits from $1 million to $30 million Minimum self-insured retention is $10,000 Availability in all states, the District of Columbia, and US territories, except for PR Program special features: Provides coverage dedicated to one project Provides choice of coverage For third party claims made against the Contractor only, or For third party claims made against the Contractor and the design team Covers the design phase through substantial completion, with no annual renewals Extended reporting coverage up to five years beyond the date of substantial completion Guarantees the project rate from project inception based on the estimated construction values, length, scope, and nature of the project Lets contractors tailor their project's professional and pollution insurance program to meet the client's requirements

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