Texas “liability insurance” for unimproved land undergoing clearing and grading for taxiways…
Typically, a home policy provides liability coverage for raw land. However, once the clearing and grading activities commence, it is classified as construction. Who can provide liability insurance for the landowner in this situation? The general contractor (GC) currently holds a $1M umbrella policy.
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For liability insurance during the clearing and grading of unimproved land, you’re correct that once construction begins, standard homeowners policies may not provide coverage. In this case, you would need a specific type of liability insurance that pertains to construction activities.
Here are some options to consider:
Commercial General Liability (CGL) Insurance: This is a standard insurance policy for construction-related activities. It typically covers bodily injury and property damage arising from the construction process.
Builder’s Risk Insurance: Although primarily focused on the structure being built, some policies can extend to cover activities related to preparing the land.
Site-Specific Liability Insurance: Some insurance companies offer site-specific liability coverage for construction projects, which may be beneficial for your situation.
You should reach out to insurance providers that specialize in commercial or construction insurance. Additionally, consulting with your General Contractor or an insurance broker might help identify the right coverage based on the specific activities taking place on the site. Always ensure that any policy limits and coverages meet your needs, especially since construction sites can be high-risk areas.