Pennsylvania Construction Law Attorneys for Insurance Claims
A single construction project may have multiple insurance policies providing coverage in the event of a construction loss. For this reason, properly handling insurance claims in the event of an accident, injury, or property damage can be very complex. Often, our clients’ solvency depends not only on the scope of their own insurance policies, but also the policies of other individuals and companies involved in the project, and how the parties allocated risk in the construction contracts. At Davis Bucco, our construction law attorneys have experience handling all types of insurance claims, knowing where to look for insurance coverage and obtaining that coverage for our clients.
Types of Construction Insurance Claims We Handle
For owners, contractors, subcontractors, and design professionals, there are numerous types of insurance policies available to manage the inherent risks associated with undertaking a construction project. Should an accident, injury, or property damage occur, there are just as many insurance claims that may be made to make use of these policies. Davis Bucco handles construction insurance claims involving:
- Commercial General Liability Insurance
- Broad Form Property Damage Coverage
- Professional Liability/E&O Insurance
- Contractual Liability Coverage
- Builder’s Risk Insurance
- Contractors’ Equipment Insurance
- Riggers Liability Insurance
- Workers’ Compensation Insurance
- Contractor’s Pollution Coverage
- Bodily Injury Liability
- Property Damage Liability
- Construction Defect Liability
- Defective Workmanship Liability
- Occurrences and Exposure
- Third-Party Liability
- Indemnification Clauses
- Additional Insureds
Most insurance policies use language provided by the Insurance Services Office (ISO), a national insurance industry association. The ISO’s commercial general liability (CGL) policy covers bodily injury and property damage liability exposures related to normal operations arising from the insured’s negligence. In the construction industry, ISO’s CGL is the most common form of insurance policy, regardless of whether the exact language promulgated by the ISO is used by the underwriter. Therefore, in the event of an insurance claim for bodily injury, property damage, or a construction defect, the search for coverage generally begins with the CGL policy to pay third-party liability damages, defense and investigation costs, and more.
After that, other policies, such as a builders’ risk policy or professional liability policy, may come into play depending on the circumstances of the construction project at hand. We at Davis Bucco are familiar with all construction-related insurance policies and claims, from the broadest to the most specific, and how they apply to a given situation.
Talk to an Experienced Construction Law Attorney Before Filing Insurance Claims
If an accident, injury, property damage, or faulty workmanship has given rise to insurance claims on your construction project, please contact Davis Bucco for help managing your claims and ensuring you receive appropriate coverage under your policies and the policies of others. As preventive experts, our construction law attorneys can also guide you in addressing risk and protecting your business operations.