Common questions about Commercial builders
Answering the most frequently asked questions about Commercial builders.
Is delay in completion covered?Gravity Certs2026-08-17T23:38:28-04:00
Only with soft costs or delay coverage on the builder’s risk policy. It isn’t automatic.
Am I responsible for uninsured subcontractors?Gravity Certs2026-08-17T23:38:27-04:00
Practically yes. Their claims fall to your policy and your loss history, which raises your future cost.
Does builder’s risk cover the finished building?Gravity Certs2026-08-17T23:38:27-04:00
Only until completion or occupancy. After that the owner’s property policy takes over.
What’s the difference between a bond and insurance?Gravity Certs2026-08-17T23:38:26-04:00
A bond guarantees you’ll perform and you repay the surety if it pays out. Insurance transfers risk without repayment.
Why do owners require such high limits?Gravity Certs2026-08-17T23:38:25-04:00
New York Labor Law exposure plus project value. Five million or more in excess is common on commercial work.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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