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Interplay Among Builders Risk, CGL, and Wrap- Up Insurance Programs: Maximizing Coverage

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

This program is included with the Strafford CLE Pass. Click for more information.
This program is included with the Strafford All-Access Pass. Click for more information.

Conducted on Tuesday, June 29, 2021

Recorded event now available

or call 1-800-926-7926

This CLE course will guide counsel on the differences between seeking recovery under builders' risk, CGL, and wrap-up insurance policies. The program will cover what steps to take when a claim is suspected, how to maximize coverage under all available policies, current trends in claim denials, and best practices to ensure coverage.


Builders' risk policies are the workhorse of construction insurance but should never be the exclusive source of coverage. Often both builders' risk and CGL policies may cover a loss. Counsel should understand how and when each policy may offer greater benefits.

When the market for coverage contracts, "wrap-up" programs, including owner-controlled insurance programs (OCIPs) and contractor-controlled insurance programs (CCIPs), become common. Wrap-up programs are often customized and require counsel to be familiar with how the policies affect contractual indemnity provisions.

Exclusions are playing a greater role in resolving claims, with many applied arbitrarily and in unexpected ways. Counsel must be on guard to spot what may be overzealous claim denials.

Listen as the panel discusses important considerations for construction contracts and the steps the insured should take when they suspect a claim, as well as commonly litigated exclusions.



  1. Types of insurance for construction projects
  2. Critical clauses for insurance programs
  3. Builders' risk vs. CGL coverage
    1. Builders' risk and LEG 2/3 denials
    2. Cost-of-making-good
    3. Exclusions
  5. Maximizing coverage


The panel will review these and other critical issues:

  • Builders' risk and CGL policies will cover what types of claims?
  • Why are wrap-up programs increasing in popularity?
  • What provisions should policyholders insist upon?
  • What are the foreseeable trends in claim denials?


David M. Adelstein

Kirwin Norris

Mr. Adelstein represents general contractors, subcontractors, design professionals, developers, associations,...  |  Read More

Sherman, Kenneth
Kenneth A. Sherman

Robinson & Cole

Mr. Sherman is an experienced construction attorney with significant construction litigation and transactional...  |  Read More

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