Insurance Coverage for Design-Build Construction Projects

Maximizing CGL, PLI and AI Coverage to Mitigate Risks for D-B Contractors

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

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Conducted on Thursday, September 15, 2011

Recorded event now available

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Course Materials

This CLE course will offer counsel to design-build construction projects a review of scope of coverage in commercial general liability, professional liability and umbrella policies. The panel will discuss coverage triggers, covered damages, exclusions and policy conditions and offer best practices to maximize coverage.


In a typical design-build project, a prime contractor has both construction and design responsibility, the latter by subcontract with a design professional, instead of using owner-provided plans. This approach introduces risks that differ from those in a traditional “design-bid-build” project.

Although risk transfer and allocation may differ, many of the same insurance policies are at issue, including CGL, PLI, builders risk and umbrella/excess policies. Newer insurance policies may protect non-design professionals from design-related risks and coverage gaps, such as OPPI or CPPI policies.

In each instance, understanding such things as the relationship between insurance, contract requirements, additional insured status and the line between “design” and “construction means and methods” can be the difference between successful risk transfer and expensive failure.

Listen as our authoritative panel of insurance attorneys guides you through coverage issues for design-build construction and how insurance mitigates these sometimes unique risks.



  1. CGL and PLI policies
    1. Triggers
    2. Covered damages
    3. Exclusions
    4. Policy condition
    5. Excess/umbrella coverage
  2. Other coverage for design-related risks
    1. OPPI policies
    2. CPPI policies
  3. Additional insured coverage
  4. Best practices to maximize coverage and minimize risks


The panel will review these and other key questions:

  • What unique liability risks face Design Build contractors and what gaps in conventional insurance programs and policies may exist?
  • How can overlap between CGL and PLI coverage best be avoided or reconciled?
  • What new products are available to address design build risks?
  • What pitfalls exist for the unwary?

Following the speaker presentations, you'll have an opportunity to get answers to your specific questions during the interactive Q&A.


Stephen D. Palley
Stephen D. Palley

Ober | Kaler

He specializes in insurance coverage litigation with a construction industry focus, as well as complex construction...  |  Read More

John Hunt
John Hunt
Forest City Ratner
Timothy E. Delahunt
Timothy E. Delahunt

Kenney Shelton Liptak Nowak

He represents insurance carriers and insurance professionals throughout NY. His clients include national insurers,...  |  Read More

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