Developer and general contractor insurance

Developers and general contractors face complex and evolving risks, from project delays to subcontractor liabilities. IOA provides specialized insurance and risk management solutions to help mitigate these challenges and protect your financial health.

Why choose IOA for developer and general contractor insurance?

At IOA, we go beyond placing policies—we help developers and contractors transfer risk, reduce losses, and protect their reputations. Our team of experts delivers tailored solutions designed to help meet the unique needs of your business.

Comprehensive risk management

We provide services that help you manage risk effectively, including:

  • Contract reviews to ensure proper risk transfer and identify gaps in insurance or misplaced liabilities​
  • Site visits to aid in OSHA compliance and reduce potential losses​
  • Subcontractor vetting and real-time tracking of insurance certificates​
  • Expert claims support, including dedicated advocates and real-time access through our claims portal

Expertise in alternative risk solutions

IOA specializes in alternative risk solutions, including:

  • Captive insurance and risk retention groups to help evaluate the feasibility and benefits of shared risk​
  • Self-insured retentions as an alternative to deductibles​
  • Third-party administrator arrangements

Controlled insurance programs

IOA offers a dedicated team for controlled insurance programs, including:

  • Contractor controlled insurance programs (CCIPs) and owner controlled insurance programs (OCIPs)
  • Feasibility studies to aid in understanding of risk profile and transfer options
  • Help with premium management and audit assistance

Nationwide reach and dedicated support

With specialized teams nationwide, IOA provides unmatched expertise in key areas like builders’ risk, subcontractor default insurance (SDI), and professional and environmental liability. We are committed to being a long-term partner in protecting your projects and reputation.

Our developer & general contractor insurance markets

Residential developers

Commercial developers

General contractors

Large-scale construction projects

Infrastructure and public work contractors

Our developer and general contractor insurance products

IOA offers a range of insurance products tailored to meet the specific needs of developers and general contractors.

General liability

General liability insurance covers bodily injury, property damage, and personal injury claims arising from business operations.​

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Commercial property

Commercial property insurance safeguards physical assets, including buildings, equipment, and inventory, against risks like fire, theft, and some natural disasters​.

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Workers compensation

Workers compensation insurance covers employee medical expenses and lost wages resulting from work-related injuries or illnesses.​

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Professional liability (E&O)

Professional liability insurance protects professionals and businesses against claims of negligence, errors, or omissions in their services.​

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Environmental

Environmental insurance safeguards businesses against liabilities related to pollution, contamination, and other environmental risks.​

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CCIPs and OCIPs

CCIPs and OCIPs (contractor and owner controlled insurance programs) offer streamlined, centralized insurance coverage for construction projects, reducing costs and gaps.​

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Commercial umbrella

Commercial umbrella insurance extends the coverage limits of primary policies, offering an additional layer of protection against large claims​.

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Alternative risk financing

Alternative risk financing offers customized solutions like captives and self-insurance to help businesses manage unique or complex risks.​

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Captive management

Captive management provides strategic support for businesses that use captive insurance companies to self-insure and control their risk exposure.​

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Connect with an IOA insurance expert

Speak to an IOA broker who understands your industry, goals, and challenges.

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Get in touch

At IOA, we prioritize building solid relationships with our clients and community. Please feel free to use the form to contact us with your questions, comments, or feedback, or call an IOA advocate today.

Free call 1.800.243.6899