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Contractor Excess Insurance covers additional insured coverage above the general liability limit. These excess policies are typically required by general contractors and project owners for their projects. In addition, subcontractors often satisfy their insurance limits obligation through a combination of primary and excess general liability policies. Because the limits of these policies are often consistent, the parties expect that they will be covered for the same risks as the primary contractor. Contractors should consider purchasing this extra insurance.

The policy contains two different types of coverage. One type of policy covers damages and injuries that arise as a result of the insured’s negligence. Under the additional insured provision, a third-party project owner may not file a claim against a subcontractor for sole negligence, even if the contractor has liability insurance. In such cases, the policy may not cover the entire project. However, it may provide coverage if the subcontractor knowingly or negligently causes damages that are greater than the policy limit.

It is important for contractors to have adequate excess liability coverage. This policy provides additional liability limits on top of general liability and commercial auto insurance policies. High-value residential projects typically require extra liability coverage. A general liability policy will only cover $1,000,000 of losses. That leaves a contractor with the remaining $500,000 for an accident that damages a house. If a contractor does not have adequate excess liability insurance, he could be responsible for the entire cost of the house fire, and may have to pay out the entire amount himself.

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Aggregate Insurance: What Is It? How Does it Work?

An Aggregate insurance or umbrella policy is designed to provide protection for many different types of risks. It covers things like property damage, car accidents, and medical expenses.

What Are Aggregate Policies?

An aggregate policy is one that provides coverage for several different types of risks. This type of policy is often referred to as “umbrella” because it protects against many different types of losses.

Why Do You Need One?

If you own a business, you need to protect yourself against loss. A business owner should consider purchasing an aggregate policy to help protect his or her assets.

Types of Aggregate Insurance

An aggregate policy covers multiple risks such as fire, theft, vandalism, and other perils. These policies typically offer lower premiums than individual policies because they are designed to provide protection for several people at once.

How Does Aggregate Insurance Work?

Aggregate insurance works by pooling together the risks of different individuals into one large group. This means that when something happens to one member of the group, the entire group will receive compensation.

How Can I Find Out More About Aggregate Insurance?

If you’re interested in aggregate insurance, there are several ways to find out more about them. You can contact your current insurer to ask about aggregates, or you can search online for companies that offer aggregates.


Who is your broker? The founder and President, Pascal Burke, began his knowledge of construction in 1974 as an architect’s apprentice from the age of 15 to 22. Though eligible for his architect licensure, he wanted to build. So, he then joined a large concrete company, building parking structures and major sports stadiums. After a few years he started his own construction company specializing in parking structures until 2005. While running his business he purchased every manner of insurance policy and surety bond to properly cover his assets. Shortly thereafter, he was hired by an insurance company to be on the board of directors for a new contractor general liability program. After gaining 4 years of experience, he opened his own insurance brokerage specializing in construction risks.