Construction is the most contract-driven industry in commercial insurance. Every project agreement, every subcontract, every owner-issued spec carries insurance requirements. And the coverage must satisfy them or risk being kicked off the job. The line that surprises CFOs is wrap-up vs practice. Getting the structure wrong leaves either the owner or the contractor exposed.
Drawn from analysis of mid-market accounts in this class. Two of them are structural: what's missing from the coverage rather than premium-driven.
The lines ARIA recommends for a well-structured coverage in this industry, in the order they typically attach.
A subcontractor's employee is injured on a jobsite when a temporary railing fails. The injured worker sues the GC alleging negligent site supervision. Damages estimated at $4M including future medical and lost-wages.
GC's $2M GL + $5M umbrella respond, but discovery reveals the subcontractor's WC carrier had non-renewed 90 days before the loss. Exposing the GC to direct WC liability via the labor law statute. The GC absorbs $1.8M out-of-pocket plus three years of audit exposure.
RiskMind's subcontractor-compliance coverage (live tracking of every sub's certificates with auto-alerts on lapse) flags the non-renewal at day 0. The GC pulls the sub off the job; the railing is rebuilt by an in-compliance crew; the claim never happens. Indicative annual premium for the GL/Umbrella/WC bundle plus the compliance tooling: $185K–$240K.
Annual premium distribution across the full coverage stack for a comparable business in your industry. ARIA refines your exact position once it reads your declarations page.
Illustrative dataset · n=84 mid-market placements in this class
ARIA pre-loads your construction & contractors exposure profile the moment you click. Peer benchmarks, top risks, and the carriers in appetite at your scale.
Five fields. ARIA returns a first read on your coverage before you've shared a contact detail.
A licensed Risk Strategist on the call. The same first read, walked through by the human who will sign every bind.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page