Construction managers face a complex set of professional risks as they oversee building projects, manage subcontractors, and ensure compliance with codes and regulations. J.M. Wilson Corp. offers a specialized Construction Managers Insurance program designed to address these exposures with comprehensive coverage options and flexible underwriting.
Overview of the Program From J.M. Wilson
As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson provides access to both admitted and non-admitted markets for construction management professionals. This program is tailored specifically for firms engaged in construction management and design/build services, offering broad protection and responsive underwriting. Coverage limits are available up to $5 million per claim and in aggregate, with a minimum premium starting at $6,000 and a $5,000 minimum deductible.
Ideal Accounts and Appetite
This program is ideal for:
- Construction managers acting as owner’s representatives
- Firms offering design/build services
- Project managers coordinating subcontractors and timelines
- Entities involved in securing permits and managing compliance
You might have a client managing a large commercial build who needs protection for both their professional services and environmental exposures—this program is built for them. Joint ventures are also included in the definition of "insured," making this a great fit for collaborative or multi-party projects.
Coverage Highlights and Advantages
J.M. Wilson’s Construction Managers Insurance includes a wide array of coverages under a single program:
- Coverage A – Professional Liability: Protects against claims arising from errors and omissions in professional services.
- Coverage B – Environmental Legal Liability
- Coverage C – Contractors Pollution Liability
- Coverage D – Technology Services Liability and Products
- Coverage E – Computer Network Security
- Coverage F – Multimedia and Advertising Liability
- Coverage G – Privacy: Includes up to $250,000 sublimit upon completion of the Privacy Supplement.
- Pre-Claims Assistance and Mediation Support: Supplementary payments are available without reducing the policy limits or triggering the deductible.
- Worldwide Coverage: Pure worldwide coverage is included.
- No Mold, Copyright, or Trademark Exclusions
- Waiver of Subrogation: Available when there’s a written agreement in place.
- Punitive Damages: Covered where insurable by law.
- Bilateral Extended Reporting Period (ERP) Options: Up to 36 months available.
- Mediation Deductible Credit: 50% deductible credit up to a $25,000 maximum.
Underwriting Notes and Minimum Premiums
The program is designed for mid to large-size construction management firms with complex risk profiles. The minimum premium is $6,000, with a minimum deductible of $5,000. Underwriters look for firms with strong risk management practices and clearly defined scopes of work. Accounts involving heavy residential or tract home construction may be subject to additional review.
Territories and Availability
This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. J.M. Wilson represents multiple carriers, offering both admitted and non-admitted options depending on the jurisdiction and risk profile.
Why Work With J.M. Wilson
With decades of experience and a strong reputation in the construction and environmental sectors, J.M. Wilson brings deep underwriting knowledge and carrier relationships to help agents place challenging accounts. When you partner with J.M. Wilson, you gain a responsive team that understands the nuances of construction management exposures and provides the tools to write and retain this business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for construction managers, design/build firms, and project management companies involved in commercial, institutional, or infrastructure projects.
Is this insurance available in admitted markets?
Yes, J.M. Wilson offers access to both admitted and non-admitted carriers depending on the state and risk characteristics.
What are the minimum premium and deductible requirements?
The minimum premium starts at $6,000 with a minimum deductible of $5,000.
Are joint ventures eligible for coverage?
Yes, joint ventures are included within the definition of an insured under this program.
What kind of support does J.M. Wilson offer during the underwriting process?
J.M. Wilson provides responsive service, underwriting expertise, and access to multiple markets to help agents successfully place and manage accounts.
Need help placing an account? Connect with a market specialist.