Construction Building with Confidence
Construction businesses face a complex combination of operational, contractual, workforce, and property-related exposures.
Gethsemane™ provides insurance solutions designed to help contractors, developers, specialty trades, and construction professionals protect their people, projects, and operations.
Understanding the Unique Needs of Construction Businesses
Operational Risk
From general contractors and subcontractors to developers and specialty trades, construction businesses operate in an environment where risk management plays a critical role in project success. Effective insurance solutions help support contract requirements, workforce protection, equipment preservation, and long-term business continuity.
Common Considerations
- Workplace injuries
- Job site safety
- Fleet operations
- Employee retention
- Subcontractor management
- OSHA compliance concerns
- Business interruption
- Workforce availability
Solutions
- Workers’ Compensation
- Business Owners Policies (BOP)
- Package Policies
- Other related liability and property coverage
- Specialty and E&S market access
Contractual & Liability Risk
Construction projects frequently involve complex contractual obligations, indemnification provisions, and liability exposures that require careful insurance planning.
Common Considerations
- Contract requirements
- Additional insured obligations
- Completed operations exposures
- Professional design responsibilities
- Project-specific liability concerns
- Large loss exposures
- Multi-party project risk
- Litigation exposure
Solutions
- Contract Review and Guidance
- Certificate of Insurance support
- OCIP & CCIP (GL only or Full Wrap-Ups)
- Excess Layers
- Pollution
- Other related liability and property coverage
Equipment & Property Risk
Construction equipment, materials, tools, and project assets represent significant investments that must be protected against loss, damage, theft, and interruption.
Common Considerations
- Heavy equipment
- Mobile equipment
- Tools and equipment
- Materials in transit
- Temporary structures
- Theft and vandalism
- Property damage
- Project delays
Solutions
- Equipment or Installation floater coverage
- Standalone Inland Marine
- Builders Risk
- Equipment Breakdown
- Other related liability and property coverage
Fleet & Auto Risk
Common Considerations
- Company-owned vehicles
- Pickups and service trucks
- Dump trucks
- Trailers
- Driver qualification and safety
- Department of Transportation (DOT) compliance
- Hired and non-owned vehicles
- Transportation-related liability
Solutions
- Fleet Safety & Risk Management Programs
- Commercial Auto Insurance
- Hired & Non-Owned Auto Liability
- Motor Truck Cargo (where applicable)
- Trailer Interchange Coverage
- Other related liability coverage