Builder's Risk and CGL Insurance for Construction Projects: Mitigating Developer and Contractor Risks

Evaluating Scope of Coverage, Covered Losses, Policy Exclusions, Additional Insured Endorsements and More

Recording of a 90-minute CLE webinar with Q&A

Conducted on Tuesday, August 2, 2016

Recorded event now available

Program Materials

This CLE webinar will provide counsel for construction contractors and developers with an analysis of evolving coverage issues in builder’s risk and CGL insurance for construction projects. The panel will discuss how these policies work to mitigate developer and contractor risks, the use of additional insured endorsements, problematic coverage issues, and potential pitfalls for the unwary.


Construction projects are always at risk for economic losses from unanticipated property damage and business interruption that result in unbudgeted and costly expenses needed to complete the project. Builder’s risk coverage is a key risk mitigation measure for building contractors and developers.

Builder’s risk coverage disputes involve the insurance rights, tort liability and contractual obligations of the owner, general contractor, subcontractors and design professionals. Coverage issues that counsel to builders and developers must consider include identification of named and additional insureds and the interests of subcontractors and equipment. Coverage disputes typically arise over the types of costs recoverable and the coverage exclusions and exceptions.

Counsel often must also navigate the interplay between builder’s risk policies and CGL policies. Frequently disputed and litigated issues under CGL policies include the various policy exclusions such as those arising from contractual liability, pollution damage and performance of professional services.

Listen as our authoritative panel of construction insurance attorneys guides you through the characteristics of builder’s risk and CGL insurance policies and how these policies are used to mitigate developer and contractor risks.



  1. Builder’s risk policies
    1. Scope of coverage
    2. Exclusions and exceptions to exclusions
    3. Costs recoverable
  2. CGL policies
    1. Scope of coverage
    2. Exclusions and exceptions to exclusions
    3. Costs recoverable
  3. Additional insured endorsements


The panel will review these and other key issues:

  • What types of perils are covered in a typical builder’s risk policy?
  • What are the common exclusions and exceptions in builder’s risk policies?
  • What types of occurrences are covered in most CGL policies?
  • What common exclusions and exceptions are in CGL policies?
  • What is the difference between “additional named insured” and “additional insured”?


Cranston, Jennifer
Jennifer A. Cranston

Gallagher & Kennedy

Ms. Cranston has three primary practice areas: real estate disputes, insurance coverage analysis and bad faith...  |  Read More

James M. Hoey
James M. Hoey

Clausen Miller

Mr. Hoey has lectured extensively in matters relating to property insurance and has authored and coauthored articles...  |  Read More

Musitano, John
John R. Musitano, Jr.

Cox Castle & Nicholson

As a Member of the firm’s Risk Management and Insurance Team, Mr. Musitano resolves insurance coverage, real...  |  Read More