General contractors have the most complex insurance needs in construction — managing multiple trades, subcontractors, and project owners all at once. KIG builds programs that cover your entire operation.
Free, no-obligation. Takes 2 minutes.
GCs carry liability from their own work, their subcontractors' work, and the projects they manage. Here's how KIG structures comprehensive protection for general contractors.
Broad coverage for bodily injury and property damage claims arising from your construction operations, including liability for work performed by your subcontractors.
Covers the structure under construction from fire, theft, vandalism, wind, and other perils during the build period — protecting both your work and materials on site.
Covers your fleet of trucks, pickups, and equipment vehicles — including hired and non-owned auto coverage for employees using personal vehicles on company business.
Required in most states — covers your employees for work-related injuries and illness, including construction site accidents which are among the most costly workers' comp claims.
Provides additional liability limits above your primary GL, auto, and employer's liability policies — essential for large commercial projects with significant loss potential.
Covers errors in project management, scheduling mistakes, or design-build liability — increasingly important as GCs take on design responsibilities.
General contractors need more than a basic contractor policy. KIG specializes in building programs that address the full complexity of managing construction projects and subcontractor relationships.
We structure your policy to ensure subcontractor work is covered and help you build the right sub insurance requirements to protect your project.
Whether it's a $500K remodel or a $10M commercial build, we have the carrier relationships to place the right limits and coverages.
Project owners and construction managers need certificates quickly. We turn around project-specific COIs and AI endorsements the same day.
We place builders risk on a per-project or blanket basis — and can advise on who should carry it (owner vs. GC) based on your contract structure.
As a GC, you're liable not just for your own work but for everything happening on your job site — including your subs' mistakes and third-party injuries.
As the GC, you carry site safety responsibility. A visitor or delivery driver injured on site can lead to a major GL claim.
If a sub's faulty work causes a claim, the project owner will likely name you — even if you're not directly responsible for that trade.
Contractual liability for delays, liquidated damages, and cost overruns are common GC exposures that require careful policy structuring.
Damage to the structure under construction, neighboring properties, or existing structures during renovation are all real exposures for GCs.
No obligation. A specialist calls you within 1 business day.