Project-Specific General Liability Insurance
Project-specific general liability insurance dedicates a commercial general liability policy to a single construction project, giving it its own limits and its own claims record instead of running the exposure through a contractor’s or developer’s practice-wide program. It covers third-party bodily injury and property damage from the work and can often extend to completed operations for that project.
Project-specific general liability is a commercial general liability policy dedicated to a single construction project. Instead of running that project’s exposure through a contractor’s or developer’s ongoing practice program, it carves the project out so it has its own limits and its own claims record.
What does project-specific general liability insurance cover?
- General liability for one defined project: third-party bodily injury and property damage arising from the work.
- Dedicated limits for that project, kept separate from your practice-wide program.
- Coverage that can often extend to completed operations for the project, which matters given construction-defect exposure.
Who needs it? Contractors and developers on larger projects where a single set of dedicated limits is preferred; owners or lenders whose contracts require project-specific limits rather than shared practice limits; projects where you want to protect your ongoing practice program from a single project’s exposure; and work where completed-operations continuity needs to be handled deliberately for years after completion.
California’s long statutes for latent defects and the residential Right to Repair Act (SB 800) make completed-operations continuity a central concern. A project-specific policy lets you address how that project’s completed-operations exposure is handled, often for an extended period. Isolating limits can also keep one large project from eroding the coverage your other work relies on.
How we help: We help you weigh a project-specific policy against carrying the project on your practice program, confirm how completed operations are treated, and align the coverage with your contract.
