Project-Specific Liability
A dedicated liability tower for one project: aggregate, completed operations and how subcontractor risk is documented.
Project-Specific Liability ExplainedConstruction project insurance & contract surety · California · Texas · Arizona · Nevada
Construction Insurance and Surety Bonds, Built Around Who’s Building
For developers, general contractors and civil contractors with real projects: the contract, the lender exhibit, the bond form and the coverage that has to answer them, matched by a licensed brokerage.
Who’s Building?
Developers & Subdividers
Entity structure, lender exhibits, improvement security and the completed-operations tail on for-sale and income projects.
- Subdivision Improvement Bonds
- OCIP and Builders Risk Decisions
- Lender Insurance Requirements
General Contractors
Owner contract insurance exhibits, project-specific placements, subcontractor risk transfer and bonding capacity.
- Project-Specific Liability
- Performance and Payment Bonds
- Commercial and Residential Work
Infrastructure & Civil
Underground utilities, directional drilling, grading, water and sewer, and paving on public and private work.
- One-Call and Utility-Strike Exposure
- Contractors Pollution Liability
- Public Works Bonds
Quote request starter
Tell Us What You’re Building
Start with your role, the project state and the main coverage or bond need.
01Tell us about the project and your role
02Where availability allows, we read the contract, lender and bond requirements
03Options from the markets that fit the project
The project toolkit
Five Coverage Decisions Every Project Buyer Makes
Liability, builders risk, wrap-ups, pollution and surety answer different questions. Reading them against the same contract shows the gaps and overlaps before a claim does. Compare all coverage lines.
Explore more topics
Builders Risk
Property coverage for the work while it is being built, including values, insured interests, soft costs and testing.
Builders Risk ExplainedOCIP & CCIP Wrap-Ups
One controlled program for the owner or GC and enrolled trades, with the administration and exclusions that come with it.
OCIP & CCIP Wrap-Ups ExplainedConstruction Surety Bonds
Bid, performance, payment and improvement bonds. A bond is credit for the obligee, underwritten on financials and backlog.
Construction Surety Bonds ExplainedContractors Pollution Liability
Pollution exposure that a general liability pollution exclusion often leaves open on sitework and underground jobs.
Contractors Pollution Liability ExplainedYour next step
Bring the Contract. We Map the Coverage.
Have a contract, development schedule or bond requirement? Clients can start a project-specific conversation instead of guessing which form applies.
Start a Quote RequestContract surety
Bonds for Subdivisions, Public Works and Permits
A bond is credit, not insurance: the surety backs your promise to the obligee and you indemnify the surety. The bond form, the obligee and your financials decide the terms.
Subdivision Improvement Bonds
Faithful performance and labor and materials security a city or county takes before a final map or plat records.
Subdivision Improvement Bonds ExplainedPerformance & Payment Bonds
The contract bonds owners, lenders and public agencies require, underwritten on financials, WIP and backlog.
Performance & Payment Bonds ExplainedPublic Works Bond Requirements
Miller Act and the California, Texas, Arizona and Nevada statutes: which bonds, at what contract amounts.
Public Works Bond Requirements ExplainedEncroachment & Right-of-Way Bonds
Permit security for utility, paving and sidewalk work in city, county and state right of way.
Encroachment & Right-of-Way Bonds ExplainedMaintenance & Warranty Bonds
The bond that runs after acceptance on public works and subdivision improvements.
Maintenance & Warranty Bonds ExplainedBid Bonds
Bid security that backs the promise to sign the contract and furnish the final bonds.
Bid Bonds ExplainedWhat Are You Building?
The project type changes the stack: values and testing on industrial work, defect exposure on for-sale housing, improvement security on subdivisions.
Commercial Construction
Office, retail, hospitality, healthcare, mixed-use and tenant improvements.
Commercial Construction InsuranceResidential & Multifamily
Production homes, build-to-rent, podium multifamily and condominiums.
Residential & Multifamily InsuranceIndustrial & Data Centers
Warehouse, manufacturing and data center projects with high-value equipment.
Industrial & Data Centers InsuranceSubdivision & Site Improvements
Grading, wet and dry utilities, streets and storm drain for the improvement plan.
Subdivision & Site Improvements InsuranceInfrastructure and Civil Trades
Each trade carries its own mix of utility-strike, pollution, permit-bond and completed-work exposure. Start with yours.
California, Texas, Arizona and Nevada
State law changes the answer on licensing, public works bonds, improvement security and excavation rules.
California Project Insurance
CSLB licensing, Subdivision Map Act improvement security, public works payment bonds and the one-call law.
California RequirementsTexas Project Insurance
No statewide GC license, Insurance Code chapter 151 limits, public work bonds and plat security.
Texas RequirementsArizona Project Insurance
Registrar of Contractors licensing and bonds, public works bonds, subdivision assurances and Arizona 811.
Arizona RequirementsNevada Project Insurance
State Contractors Board licensing and limits, public works bonds, NRS chapter 278 subdivision security and Nevada 811.
Nevada RequirementsGoogle Reviews
What Our Clients Say
Google reviews of Gleason Insurance Brokers, the licensed brokerage behind this website.
5.0 / 5 on GoogleRead Them on Google (opens in a new tab)
91 Enterprise LLC
March 24, 2026
We are using Gleason insurance for our commercial auto policy and GL policy. David is the best insurance broker I've worked with — very honest, responsive, and knowledgeable. Highly recommend.
Fito Plumbers
February 20, 2026
We have been working with David at Gleason Insurance Brokers for 8+ years. David always goes above and beyond to make sure we have the appropriate coverages. He explains everything in detail and makes sure we feel confident and understand all of our policies. He is always available and responds right away!
Barry Stay
February 17, 2026
David provides great service and I highly recommend him for your insurance needs.
Victor Alvarez
February 11, 2026
Great customer service!! Highly recommend it.
Marissa Martinez
February 6, 2026
The best insurance broker in California. Construction insurance requirements are constantly changing, and if it weren't for David, it would be impossible to keep up. He is friendly, knowledgeable, and ready to tackle all of our issues. Definitely recommend Gleason Insurance Brokers.
Wing Sze Lam
August 26, 2025
The associate delivered outstanding and professional service.
Miguel Sanchez Nunez
August 18, 2025
I'm really glad I worked with David to find commercial auto insurance. He made the process quick and easy, and most importantly, he helped me find a policy that fits my business needs and my budget. If you're a business owner looking for reliable and affordable commercial auto insurance, I highly recommend reaching out to David.
Reviews reflect individual client experiences and are not a guarantee of coverage, pricing or results.
Preparing a submission? Start with the project insurance checklist or see how project risk changes by phase.
Bring the Contract and the Exhibits.
Share the scope, location, construction value, project stage and the insurance or bond obligations. Submitting a request does not bind coverage.
Full disclaimer about contract and insurance reviews
Contract and insurance reviews are a courtesy service that may be available at times, depending on our workload and on the size, timing and complexity of the project. A review is not guaranteed and is limited to insurance considerations. It is not legal advice and is not a substitute for advice from your own legal counsel, which you may need before signing a contract or obtaining coverage.
