White Paper

6 Pages
  • 6 Pages

Basic Insurance Issues for Construction


Comprehensive General Liability Insurance

On almost every construction project the contractor and subcontractors are required to provide some form of liability insurance coverage. In most construction contracts the general contractor, and the subcontractors are to maintain liability insurance to protect against unforeseen events. A Commercial General Liability Insurance or a Comprehensive General Liability policy, both commonly referred to as a “CGL” Policy, are the most common in the market. This white paper reviews the CGL policy and discusses insureds and additional insureds, and notices and other requirements.



Michael Jay Rune, II

Michael Jay Rune, II

Carlton Fields, P.A.

  • Shareholder with Carlton Fields, P.A.
  • More than 20 years of experience representing owner/developers, construction managers/contractors, sureties, subcontractors, and suppliers in nearly all aspects of the construction industry and in large-scale commercial construction projects
  • Has handled construction, surety, fidelity, and related insurance matters as well as mortgage fraud recovery through mediation, arbitration, and litigation in state and federal courts
  • Known for his hard-hat approach to construction, spending time at construction sites and working with project managers and construction workers to gain firsthand knowledge of the construction industry and what goes on in the field
  • Has a keen understanding of construction law and the construction process, including the planning, execution, and completion of a construction project, as well as the technical nature of construction-related claims
  • Published author and frequently speaks on issues important to the construction and fidelity industries
  • Recognized by Lorman Education Services for his above-benchmark customer course ratings and received the 2017 Platinum Distinguished Faculty Badge
  • Author of the International Association of Defense Counsel’s ‘Annual Survey of Fidelity and Surety Law’ from 1997–2004, and co-author of ‘Liability and Performance Bond Surety’ in The Law of Performance Bonds (ABA 1999)
  • Board certified in Construction Law by The Florida Bar

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