Demolition Contractor Insurance Coverage Checklist
The coverages a demolition contractor 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 demolition contractors. Priorities reflect typical exposure; confirm against adjacent structures and hazardous materials.
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. Products-Completed Operations) | Covers injuries and damage during work and after it's finished. | Core | |
| Contractors Pollution Liability | Covers asbestos, lead, and dust releases — excluded from GL. | Core | |
| Umbrella / Excess Liability | Adds limits for a collapse onto an occupied building. | Core | |
| Workers' Compensation | Required in most states. | Core | |
| Contractor's Equipment / Inland Marine | Covers heavy equipment on job sites and in transit. | Core | |
| Commercial Auto | Covers trucks, trailers, and hauling. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is a GL policy that excludes demolition. Many contractor GL forms exclude or limit demolition, especially of structures over a set height — and collapses onto neighboring buildings, like the 2013 Philadelphia collapse that killed six, are catastrophic. Contractors should confirm demolition is covered at their height, carry pollution coverage for asbestos, and survey adjacent buildings first.
Send us the checklist and we'll review your demolition contractor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Demolition Contractor Insurance · Demolition Contractor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a demolition contractor business need?
The core coverages for a demolition contractor business are Commercial General Liability (incl. Products-Completed Operations), Contractors Pollution Liability, Umbrella / Excess Liability, Workers' Compensation, Contractor's Equipment / Inland Marine, 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 demolition contractor 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.