Understand every insurance type that protects your projects, your workers, and your bottom line — from CGL to wrap-up programs.
Click any card to expand — what it covers, who needs it, costs, exclusions, and real-world claim examples.
Quickly compare coverage scope, cost ranges, and legal requirements across all construction insurance types.
| Insurance Type | Who Carries It | Typical Cost | Required by Law? | Covers Property | Covers Injury | Covers Prof. Errors |
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Different project types carry different risk profiles. Here's what's typically required, recommended, or optional.
How insurance requirements shape bidding, contracts, and procurement — and how smart tools help manage it all.
Two fundamentally different policy forms — same industry, very different timing. Understand which applies to each coverage you carry.
Covers claims for incidents that occurred during the policy period, regardless of when the claim is filed. Most CGL and Builder's Risk policies are occurrence-based. This is the preferred form for most construction coverage.
Only covers claims filed during the active policy period. Common for Professional Liability (E&O) and Pollution Liability. This distinction matters significantly for design-build projects — if you switch carriers or let a policy lapse, you need "tail coverage" to protect against claims filed after the policy ends for work done during the policy period.
Trueleveler's Contract Review engine identifies insurance requirements, flags coverage gaps, and benchmarks your limits against project requirements — so you bid with confidence.
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