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.
Commercial property
Commercial property insurance safeguards physical assets, including buildings, equipment, and inventory, against risks like fire, theft, and some natural disasters.
Workers compensation
Workers compensation insurance covers employee medical expenses and lost wages resulting from work-related injuries or illnesses.
Professional liability (E&O)
Professional liability insurance protects professionals and businesses against claims of negligence, errors, or omissions in their services.
Environmental
Environmental insurance safeguards businesses against liabilities related to pollution, contamination, and other environmental risks.
CCIPs and OCIPs
CCIPs and OCIPs (contractor and owner controlled insurance programs) offer streamlined, centralized insurance coverage for construction projects, reducing costs and gaps.
Commercial umbrella
Commercial umbrella insurance extends the coverage limits of primary policies, offering an additional layer of protection against large claims.
Alternative risk financing
Alternative risk financing offers customized solutions like captives and self-insurance to help businesses manage unique or complex risks.
Captive management
Captive management provides strategic support for businesses that use captive insurance companies to self-insure and control their risk exposure.
Connect with an IOA insurance expert
Speak to an IOA broker who understands your industry, goals, and challenges.
Get our latest news and insights
Read our industry expert’s latest thoughts. We provide specific market outlooks, practical guides, updates on market trends, advice on risk management and much more. Each informative piece offers straightforward guidance in a complex insurance landscape.