Where construction coverage quietly falls short
Builders risk, liability and contract terms have to interlock. CoverageIQ shows you where yours don't.
Analyze my policyConstruction risk is layered — builders risk on the structure, general liability for third-party claims, completed operations after handover, plus whatever the contract demands on top. Each layer has its own exclusions, and the gaps open where they meet: damage during the testing phase, faulty-workmanship carve-outs, completed-operations coverage that lapses, subcontractor exposure that flows back to you. A loss rarely respects the boundaries between policies.
What CoverageIQ checks for you
- Builders risk vs. general liability overlap — and the space between them
- Faulty-workmanship and design exclusions across both policies
- Completed-operations coverage and how long it survives after handover
- Subcontractor coverage and the exposure that defaults back to you
- Testing-and-commissioning phase exclusions late in a project
See exactly what your policy covers
See your whole construction coverage stack in one map and close the gaps before ground breaks.
Analyze my policyNo agent · No sales call · Minutes, not days
Frequently asked questions
What's the difference between builders risk and general liability?
Builders risk covers physical damage to the project itself during construction. General liability covers third-party bodily injury and property damage your operations cause. They protect different things, and a loss can fall between them — which is exactly where construction coverage gaps appear.
What is completed operations coverage?
Liability coverage for property damage or injury arising from your work after the project is finished and handed over. It's critical for construction defects that surface months or years later, and it can lapse if not maintained — leaving you exposed for past projects.
Am I responsible for my subcontractors' insurance?
Often, contractually, yes. If a sub is uninsured or underinsured, that exposure can flow back to you, and your own general liability may exclude work performed by subcontractors unless properly structured. CoverageIQ flags where subcontractor requirements and your coverage diverge.
Related coverage checks