Commercial construction insurance

Creative solutions for Owners and General Contractors

Our team has decades of experience in the commercial construction liability marketplace.

This experience proves that a one-size fits all approach does not work for sophisticated commercial project owners or general contractors.

We take the time to develop a greater understanding of the insured and their business – visiting every new insured prior to quoting and at least once a year thereafter. We design solutions that work for the insured and the insurance carrier.

The cove product
  • 4 year policy term available
  • Primary Limits up to $2m/$4m/$4m
  • Per project limits and annual reinstating general aggregate limits if required.
  • Occurrence Coverage based on ISO policy form
  • Written as a traditional practice policy, Rolling OCIP /CCIP or project specific policy
  • Inadvertent Condo Conversion coverage available – for GC’s that build only apartments for developer clients but fear a subsequent owner will convert to condos
  • Projects can be added on a “pay as you go” basis
  • Deductible and SIR option available
  • Defence costs outside limits
  • Available in all States except New York
  • For sale residential construction can be written on a separate form
  • Limited condo conversion coverage available.
The Cove commercial client
  • Believes that protecting one’s reputation is key to survival
  • General Contractors
  • Commercial Owners
  • Apartments
  • Industrial/Mfg.
  • Office/Retail Structures
  • Infrastructure/Street and Roads
  • Transportation
  • Light commercial
  • Healthcare facilities
  • Government offices and facilities
  • Educational structures/schools/religious
  • Sport / Leisure – (golf driving ranges/hotels etc)

Please click here for “Ten Reasons to Choose Cove: Commercial”

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