Construction Builder's Risk and CGL Insurance: Scope of Coverage, Covered Losses, Exclusions, AI Endorsements

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

Conducted on Thursday, February 8, 2018

Recorded event now available

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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, additional soft costs and revenue loss that result in unbudgeted costs that can threaten project completion. Builder’s risk coverage is a key risk mitigation measure for building contractors and developers.

The starting point for the scope of builder’s risk coverage is the requirements set forth in the contract documents. Coverage disputes often 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 who is covered, what is covered, and when/how coverage applies. Because builders risk policies are not standardized, coverage varies dramatically between insurers. Coverage disputes often 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 which apply to damage to the project.

Listen as our authoritative panel of construction insurance professionals and 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. Contractual requirements
    2. Scope of coverage
    3. Troublesome exclusions and conditions
    4. Common issues and practice pointers
  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”?


Schoumacher, Bruce
Bruce H. Schoumacher

Querrey & Harrow

Mr. Schoumacher is the Group Co-Chair of the firm's Construction Practice Group and also practices in several other...  |  Read More

Coombs, Steven
Steven A. Coombs

Risk Resources

Mr. Coombs writes on builders risk insurance for Risk Resources, a risk management and commercial insurance consulting...  |  Read More

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