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Industries We Serve
Coverage Built for Builders
Protection for general contractors, trades, and developers navigating jobsite exposure and contract demands.
Construction & Contracting
From ground-up commercial projects to specialty subcontracting, construction firms carry some of the most complex liability of any sector. We assemble programs that keep crews protected, satisfy owner and lender contract requirements, and keep bids competitive without leaving gaps between policies.
Key Exposures in Construction & Contracting
- Jobsite Injury and Third-Party Bodily Harm:
- Heavy equipment, elevated work, and shared sites create constant exposure to worker and bystander claims.
- Faulty Workmanship and Completed Operations:
- Defect claims can surface years after a project closes out, long after the crew has moved on.
- Contractual Risk Transfer:
- Owners and general contractors push down indemnity and additional-insured requirements that many policies fail to meet.
- Tool, Equipment, and Materials Loss:
- Theft, transit damage, and weather events routinely disrupt schedules and budgets.
- Subcontractor Default:
- A single sub's lapse in coverage or performance can cascade into project-wide liability.
How We Structure Your Coverage
- Contract-Ready Liability Programs:
- General liability, excess, and umbrella limits structured to satisfy the exact language in your contracts and bond requirements.
- Builders Risk and Inland Marine:
- Course-of-construction and equipment coverage that follows materials from yard to jobsite.
- Wrap-Up and OCIP/CCIP Support:
- Consolidated programs that simplify insurance across every party on large projects.
- Certificate and Compliance Tracking:
- Automated monitoring of subcontractor certificates so coverage gaps are caught before they become claims.
Exigent's AI-driven platform puts your submission in front of the nation's leading carrier network and runs a competitive bidding process on your behalf — so construction & contracting organizations achieve the lowest risk-adjusted premium available. Put our technology to work for you at no cost.