Construction & Development
Construction & Development: Building on a Solid Foundation
At Madrona Insurance, we understand that in the construction and development world, your reputation is built on the quality of your work—but your future is protected by the quality of your coverage.
Small and medium-sized firms face a unique set of risks, from job site accidents to the complex web of subcontractor liability. Our agency has the resources, the expertise, and the specialized markets to ensure that your projects—and your bottom line—remain secure from groundbreaking to completion.
Comprehensive Coverage for Every Phase
We offer a robust suite of insurance products designed specifically for the construction and development industry:
Policy | The Protection You Need |
General Liability (GL) | Covers third-party bodily injury and property damage, including “Completed Operations” coverage for work already finished. |
Builders Risk | A specialized policy that protects the structure, materials, and equipment while a project is actively under construction. |
Inland Marine | “Floater” coverage for your tools and high-value mobile equipment, protecting them at the shop, in transit, and on the job site. |
Professional Liability | Critical for firms involved in design-build or project management where “errors and omissions” in planning can lead to financial loss. |
Umbrella & Excess Liability | Provides an extra layer of protection that kicks in when your primary policy limits are reached—essential for high-value development. |
Mastering Subcontractor Risk Management
One of the greatest threats to a developer is the liability of others. At Madrona Insurance, we don’t just sell you a policy; we provide the resources to help you manage your subcontractors.
We assist our clients in implementing a professional risk-transfer workflow:
- Contractual Review: Guidance on “Hold Harmless” and Indemnification agreements to ensure your subs are legally responsible for their own mistakes.
- Additional Insured Status: We ensure your subcontractors’ policies name your firm as an Additional Insured, so their carrier pays first in the event of a claim.
- COI Verification: We help you vet Certificates of Insurance (COI) to confirm that your partners have the limits and coverage types required for the job.
The Madrona Advantage
With over 18 years of experience serving the Connecticut and Massachusetts markets, John Remark and the Madrona team have the deep-rooted industry knowledge required to protect complex construction operations.
We have the means to protect you through:
- Top-Tier Carriers: Access to specialized construction insurance markets that many general agencies cannot reach.
- Risk Audits: We help you prepare for annual insurance audits, ensuring your subcontractor records are “bulletproof” to avoid unexpected premium charges.
- Local Expertise: We understand the specific statutory requirements and building trends in our region.
Build with Confidence
Don’t let a single accident or an uninsured subcontractor jeopardize years of hard work. Madrona Insurance has the tools to protect your firm so you can focus on what you do best: building the future.