We scrub the insurance and indemnity sections of your contract to identify required GL per-occurrence and aggregate limits, completed-operations duration, and any special endorsements — including additional insured requirements, primary and noncontributory wording, and waivers of subrogation.
We match umbrella limits to the size and risk of the project. Smaller jobs may only need a modest excess tower; larger GCs, heavy civil contractors, and wrap-up projects often need significantly higher limits to satisfy owner and lender requirements.
We align bonding with contract value, confirming bid, performance, and payment bond requirements, along with any maintenance or warranty bond provisions tied to the contract amount and duration.
We also look at your role on the project. A trade contractor under a wrap-up may only need certain practice limits, while a GC holding the prime contract typically carries higher limits and broader responsibility.
How Liberty helps: Send us the bid documents before you submit, and we’ll flag any limit or endorsement gap between what the contract requires and what your current program provides.