FAQs

That may be covered by dependent or contingent business interruption, which some programs include or add. We will review whether it fits your business.

No. It follows a covered property loss, so the underlying event has to be covered by your property policy.

It is a short window after the loss before payments begin, often measured in hours. We will confirm what applies to your policy.

Usually, for financed projects, and the lender may need to be named on the policy. We can arrange that.

Sometimes yes. Owner-interest coverage protects your position if the contractor’s policy is insufficient or lapses. We will review both.

Not typically. Those are usually excluded and may be added or arranged separately where available.

They are very similar, and the main difference is often who the policy protects. Course of construction is frequently in the owner’s name; builders risk is frequently in the ...

Often yes, including materials on site and frequently in transit or storage. We will confirm the limits.

No. The CSLB bond is a surety bond tied to your license, separate from liability or workers’ comp. Most contractors need both.

It is typically written for the construction period and may be extended if the project runs long. We will match the term to your schedule.