Construction Manager Insurance Coverage Checklist
The coverages a construction manager business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for construction managers at risk and agency construction managers. Priorities reflect typical exposure for this class; confirm against your actual delivery roles and contracts.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability (incl. Completed Ops) | Covers injuries and property damage on and after your projects. | Core | |
| Contractor's Professional Liability | Covers preconstruction, scheduling, estimating, and management errors — GL excludes professional services. | Core | |
| Workers' Compensation | Required by law; covers field staff and any self-performed work. | Core | |
| Umbrella / Excess Liability | Adds the higher limits owners require on large projects. | Core | |
| Commercial Auto | Covers superintendents and field staff driving between sites. | Core | |
| Builders Risk | Covers the work under construction — confirm who buys it under each contract. | Prevalent | |
| Subcontractor Default Insurance or Bonds | Covers the cost when a trade contractor fails — key for CM at risk. | Prevalent | |
| Pollution Liability | Covers mold, asbestos, and other releases on projects — usually excluded from GL. | Prevalent | |
| Wrap-Up Participation (OCIP/CCIP) | Confirm what your own policies must cover when a project wrap applies. | Situational | |
| Employment Practices Liability | Covers claims by staff. | Situational | |
| Cyber / Privacy Liability | Covers project data, payment fraud, and bid documents. | Situational |
The coverage gap most often missed
The gap most often missed by construction managers is professional liability. General liability excludes professional services, but owners sue CMs over estimates, schedules, procurement, and payment approvals — one CM faced a $200,000+ claim after a procurement error delayed steel. Site safety is the second gap: CM contracts that assign safety duties can create liability to every worker on site. Carry contractor's professional liability, and make sure contracts keep safety and means and methods with the trades.
Send us the checklist and we'll review your construction manager coverage line by line, then market it across multiple carriers that compete for your account.
Related: Construction Manager Insurance · Construction Manager Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a construction manager business need?
The core coverages for a construction manager business are Commercial General Liability (incl. Completed Ops), Contractor's Professional Liability, Workers' Compensation, Umbrella / Excess Liability, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my construction manager coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.