GC Commercial General Liability Coverage

[Stuart Udis]

Curious if any General Contractors have recently originated commercial general liability insurance and build units that are sold as Condo/PUD's. I've been receiving more quotes than in the past containing endorsements excluding coverage for condominium/PUD construction. I understand why carriers associate Condo/PUD construction with greater liability risk (I am sure being based in Philadelphia, a jury friendly city doesn't help either) but curious which carriers others are finding to price coverage without this exclusion and also price the coverage competitively.

This also serves as a reminder to review the coverage when you hire a GC for more substantial or unique construction assignments. Most look at a Certificate of Insurance and confirm coverage limits but best practices are to (1) become added as additional insured under contractors policy and (2) understand coverage exclusions which are not going to be detailed on an insurance certificate.