construction insurance

Behind every insurance premium increase is a real claim from a real project that went sideways. This case study breaks down actual contractor insurance scenarios — an HVAC design dispute, an environmental discharge claim, and a construction manager's six-figure legal defense — and what each one reveals about the coverage gaps still catching contractors off guard in 2026.

General liability insurance is the policy most contractors carry first — and the one most misunderstood. From third-party bodily injury to completed operations, this deep dive breaks down exactly what GL covers, what it explicitly excludes, and why it's the foundation of a contractor's insurance program rather than the whole structure.