Construction Insurance

Specializing in construction trade, such as building construction, heavy construction and specialty trade construction.

General Liability

General Liability insurance protects a project or an individual as well as any adjacent properties from damage or loss as a result of an accident during the construction process. The GL policy provides coverage for liability arising from bodily injury, personal injury or damage to property of third parties.


The GL policy is designed to insure the following:


  • Premises/operations—Premises owned but also project locations
  • Independent contractors—Liability exposures that might arise from subcontractors or suppliers
  • Contractual liability—Obligations arising out of indemnity agreements found in contracts
  • Products and completed operations— Liability claims arising out of the project after it has been completed and put to its intended use


Defense coverage in addition to paying awards or settlements for covered liability claims, the CGL policy covers the cost to investigate and defend such claims or suits. Supplementary payments are also included in this policy, which are designed to cover cost of bail bonds, court cost and pre-judgment interest cost.


  • Per project aggregates will provide the policy general aggregate on a per location or per project basis. This is usually required by many contracts with owners or general contractors. It will also have a positive impact on the pricing of the Umbrella/Excess Policy.
  • Pollution exclusions are typical in CGL policies. Certain specialty markets will provide broadened coverage for the exposures of contractors.
  • Residential restrictions are becoming more common. Each insurance company defines “residential” differently. Some define residential as hotels, dormitories, prisons, etc. They do not restrict the definition to a single family home or condo unit. If a contractor’s work involves apartments or other work considered “residential,” this can be a significant restriction of coverage.
  • Employee Benefit Liability coverage is important to include in the program.
  • Blanket waivers of subrogation will normally be required by owner contracts.
  • A blanket additional insured endorsement will normally be required by owner contracts.
  • Residual wrap-up coverage can be important for contractors who perform work under either Owner Controlled or Contractor Controlled Insurance Programs. This will provide coverage to the contractor after the wrap-up coverage’s completed operations term has expired.


For all General Liability Insurance questions and to get a free review with quotes call directly to our Construction Department at 0333 006 4461. Admiral team is always here to help you.