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Insurance Buying Guide for Real Estate and Construction
Before requesting quotes, list each entity’s software, advice, property-management, and site work, plus its contracts, assets, and locations. Use that inventory to identify which activities need separate quote questions and compare how the proposed terms treat them.
Which Verticals Fall Under Real Estate and Construction?
- Construction
Compare California contractor licensing, project bonds, jobsite work, and property questions with the actual policy documents for your construction business.
- Housing and Real Estate
Separate landlord, third-party property manager, and housing platform roles before requesting terms for buildings, services, and tenant data.
Which Insurance Should You Consider for Real Estate and Construction?
Consider technology errors and omissions (E&O), cyber liability, general liability, commercial property, builders risk, and tools, equipment and inland marine. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options.
Tech E&O Insurance for Real Estate and Construction
Your product provides property, project, or transaction software, or you implement systems customers rely on to run those activities.
Describe software, data, implementation, support, and advice separately. NAIC’s general E&O explanation concerns errors in professional services; it does not establish terms for a technology E&O policy.2
Which specific services, outputs, integrations, customer promises, and alleged errors appear in the quote? How does the proposed technology E&O wording differ from professional E&O?Cyber Insurance for Real Estate and Construction
Your platform stores or handles customer, property, tenant, payment, or project information, or depends on online systems to deliver its service.
FTC guidance treats cybersecurity insurance as a business-specific risk-management decision. Ask how the actual quote addresses the data and systems your business uses; a line name alone does not establish a policy response.3,2
Which systems and data are in scope, and what response costs, interruption, dependent-service, fraud, and privacy terms or sublimits appear in the offered form?General Liability Insurance for Real Estate and Construction
Staff meet customers at a property or job site, manage premises, or perform installation, inspection, or other field work.
CDI describes commercial general liability in the context of premises and operations, products, and completed work. Match the activities and locations in the application to the actual exclusions and terms.1
Which premises, site visits, installation and completed operations are described, and what exclusions or limits apply to each activity?Commercial Property Insurance for Real Estate and Construction
The company leases or owns an office, warehouse, equipment, or other physical property used in the business, or has an interest in a building it manages.
CDI distinguishes buildings, business personal property, and property of others in a business’s care, custody, or control. Identify who owns each item and how location, valuation, covered causes, and exclusions are treated.1
Which entity and locations are insured, and are installed property, movable equipment, improvements, and property held for others scheduled with the intended values and terms?Builders Risk Insurance for Real Estate and Construction
The business or its client begins a new build, addition, alteration, or repair and needs to allocate responsibility before the work is complete.
CDI describes builder’s risk for new construction and certain work on existing structures. The form and project arrangements determine whose interests, work stages, and values are addressed.1
Who is insured for the existing structure, work in progress, and materials? What project milestones, valuation/reporting terms, exclusions, and end date appear in the actual policy?Inland Marine Insurance for Real Estate and Construction
Tools, equipment, samples, or project materials move between offices, storage, customer properties, and active sites.
CDI lists contractors-equipment floaters and trip-transit forms as inland-marine examples. Ask about the actual property and movement instead of assuming a fixed-location property schedule follows an item.1
Which items, values, routes, temporary storage, loading, and installation stages are included in the proposed schedule and form?
Map Your Services and Contracts
List what each entity sells and does: software or data, professional advice, transaction coordination, property management, construction, installation, or site services. If customers rely on software or advice, describe the deliverables and contract promises; NAIC distinguishes professional E&O from general liability, while technology-specific terms still need their own review.2
If a contract calls for a bond, identify its type, obligee, amount, and obligation. Bid, payment, and performance bonds serve different contract duties; review the bond and insurance clauses separately.4
Schedule Assets and Site Work
If you lease, own, manage, or work on a property, map the owner, operator, location, occupancy, and property in your care before requesting terms. CDI separates building coverage from business property and property belonging to others; the declarations and policy wording determine the actual scope.1
For a build or renovation, ask who covers the existing structure and work in progress. For equipment that travels, ask which items and stages are scheduled. CDI’s builder’s-risk and inland-marine descriptions are general examples, not confirmation that a project, item, or trip is insured.1
Which Providers Should You Compare for Real Estate and Construction?
Tech E&O Insurance Providers for Real Estate and Construction
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Cyber Insurance Providers for Real Estate and Construction
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General Liability Insurance Providers for Real Estate and Construction
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Commercial Property Insurance Providers
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Builders Risk Insurance Providers for Real Estate and Construction
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Inland Marine Insurance Providers for Real Estate and Construction
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Common Questions About Insurance for Real Estate and Construction
Is technology E&O the same as professional E&O?
NAIC describes professional liability or E&O around errors in advice or delivery of professional services. That general description does not establish how a technology E&O form treats software, data, implementation, or service commitments.2
Read the Full AnswerWhat should I do when a project contract asks for insurance or a bond?
Separate the insurance clause from the bond clause and identify the entity, project, requested limit, bond type, obligee, and obligation in each. SBA describes bid, payment, and performance bonds as distinct contract surety categories; its guarantee program applies only to qualifying small businesses and bonds.4
Read the Full AnswerSources and Further Reading for Real Estate and Construction
Get Help With Insurance Buying and Renewals.
Get help buying coverage and managing renewals, with less paperwork for your team. Create your account and submit an insurance request online.