Barnes & Co. has a dedicated construction insurance team whose mission is to provide consistently high-quality insurance solutions and surety bonding services to contractors of all types and projects of all sizes throughout the United States. We are dedicated to gaining awareness to your company's specific needs in order to find insurance and surety solutions that will provide you with not only excellent coverage, but peace of mind. We are diligent in our efforts to provide customer service that cannot be matched by other agencies. Our goal is to exceed expectations at all levels of service.

Our team has designed comprehensive risk management and surety bonding services for contractors ranging from local specialty firms to the largest contractors and design firms throughout the world.

We can help you design a cost-effective program that protects your employees and contractors, your equipment, your business, and enhance your competitiveness in the marketplace. In addition to designing a customized construction risk insurance program, we can also provide a number of innovative products and risk management services.

Builders Risk
It is becoming increasingly important to add other perils in addition to fire, excess liability and vandalism to policies written to cover buildings in the course of construction. Some American insurers and Underwriters at Lloyd's of London have developed a form to cover such buildings on an "all-risks" basis. This form provides coverage for the usual fire, excess liability and vandalism perils, as well as broad coverage including subsidence and settling, flood, earthquake and landslide coverage at the job site. This coverage also covers the insured in transit, and broad water damage coverage can be added.

Construction Wrap-up Coverage
The owners and contractors of very large construction projects often realize substantial cost savings by purchasing one insurance policy called a wrap-up. Typically, a wrap-up insurance program provides workers' compensation and general liability insurance, in addition to Umbrella and Excess Liability for contractors, subcontractors, and the project owner in a single program. Barnes and Co. Can arrange for other essential coverages as well, such as:

• Builder's Risk
• Architect's and Engineer's Professional Liability
• Environmental Liability

The use of a wrap-up brings all construction insurance costs into one policy, eliminating gaps of protection and non-concurrency of limits and policy language. Wrap Ups not only save money on insurance premiums, but additional cost savings can be realized through skillful insurance program design. Like all other aspects of the construction industry, planning is a critical component of insurance programs. We have developed a detailed action plan so that the administration of your Wrap-up insurance program is handled expertly with a customized database we design specifically for your project. From the initial idea, to its completetion, you can rest assured it will be orchestrated effectively by our experienced staff. For more information on how wrap-ups can benefit your project, or portfolio, please contact our professional team of agents.