Construction Professional

Insurance solutions built for construction professionals

Brit Global Specialty USA (BGSU) is excited to introduce, Construct for construction professionals, to the contractors professional liability marketplace. Construct is a suite of innovative insurance products that enable you to construct a professional liability insurance policy to meet the specific needs of each of your contractor clients, from the smallest local general contractor to the largest design build or at-risk construction management firm.


CONSTRUCT FOR CONSTRUCTION PROFESSIONALS IS A SUITE OF INNOVATIVE INSURANCE PRODUCTS THAT ENABLE YOU TO CONSTRUCT A PROFESSIONAL LIABILITY INSURANCE POLICY TO MEET THE SPECIFIC NEEDS OF EACH OF YOUR CONTRACTOR CLIENTS, FROM THE SMALLEST LOCAL GENERAL CONTRACTOR TO THE LARGEST DESIGN BUILD OR AT-RISK CONSTRUCTION MANAGEMENT FIRM. CONSTRUCT CAN BE WRITTEN ON A PRACTICE OR PROJECT SPECIFIC BASIS, PRIMARY OR EXCESS.

Rich Hartman - Senior Vice President

Our Products


  • Annually renewable Practice Professional Liability, Contractors Pollution Liability and Protective Indemnity coverage for Design-Build Contractors, At-Risk Construction Managers, Specialty Trade/Artisan Contractors and General Contractors of all sizes
  • Project Specific Professional Liability, Contractors Pollution Liability and Protective Indemnity Policy for a wide range of Project-Types and sizes
  • Full Follow-Form Excess form Memorandum of Insurance for Quota Share participation capabilities

Practice Policy Coverage Features and Highlights

Download our product brochure for full details

  • Modular-based coverage form with up to four potential coverage parts to CONSTRUCT your client’s policy: Professional Liability, Protective Indemnity, Contractors Pollution Liability – occurrence or claims made, Network Security
  • Limits of Liability up to $10,000,000 for Each Coverage Part per claim, aggregate and total policy of all Coverage Parts
  • Coverage Applies excess over Project Specific policies
  • No exclusion for Faulty Workmanship
  • Means & Methods exclusion applies only if CGL Coverage applies to the Loss
  • Broad Definitions of Professional Services, Insured, Wrongful Act, Covered Operations, Pollution Event and Job Site

Project Specific Policy Coverage Features and Highlights

  • All of the coverage features and highlights included in the CONSTRUCT for CONSTRUCTION PROFESSIONALS practice policy customized to apply to the Professional Services and Covered Operations for a Specified Project - built in the same modular format with up to three (3) potential Coverage Parts to CONSTRUCT your client’s project specific policy; Professional Liability, Protective Indemnity and Contractors Pollution Liability – occurrence or claims made
  • Up to a 10 Year Extended Reporting Period available and a maximum 15 Year total policy term inclusive of the ERP
  • Limits of Liability up to $10,000,000 for Each Coverage Part per claim, aggregate and total policy aggregate all Coverage Parts

Preferred Target Risks (firms of all sizes)

  • Design-Build Contractors
  • At-Risk Construction Managers
  • Artisan/Specialty Trade Contractors
  • General Contractors

Target Project Types (projects of all sizes)

  • Retail & Commercial
  • Civil/Public works
  • Infrastructure
  • Governmental
  • Institutional
  • Sports & Entertainment
  • Hospitality
  • Data Centers
  • Industrial/Warehouse
  • Select Residential
  • P3 Projects
  • IPD Projects