Large Contractor Insurance — $10M+ Operations
Complex risk profiles demand sophisticated coverage. High-limit liability, OCIP/CCIP wrap-ups, excess layers, and enterprise-grade subcontractor management for major Florida contractors.
Large Contractor Insurance at a Glance
- Experience modifier (Ex-Mod) below 1.0 is critical for bid competitiveness; even one major claim can impact your rates and winning potential.
- OCIP and CCIP wrap-up programs consolidate coverage across all subcontractors, reducing costs and simplifying compliance on projects $10M+.
- Excess and umbrella liability layers ($5M–$25M+) are mandatory for large projects; proper coordination prevents coverage gaps and ensures competitive limits.
- Florida's 10-year statute of repose (§95.11(3)(c)) creates long-tail completed operations exposure on residential and commercial projects.
- Subcontractor default insurance (SDI) and certificate management at scale require enterprise-grade systems, not spreadsheets.
Coverage Types for Large Contractors
Build a comprehensive insurance structure for mega-projects, complex risk profiles, and enterprise operations.
Large Contractor Insurance Risks
Understanding these exposures helps you build the right coverage structure.
This risk profile is common for large contractors and requires proper mitigation strategies and insurance coverage. We help you address it through policy structure, endorsements, and subcontractor management.
This risk profile is common for large contractors and requires proper mitigation strategies and insurance coverage. We help you address it through policy structure, endorsements, and subcontractor management.
This risk profile is common for large contractors and requires proper mitigation strategies and insurance coverage. We help you address it through policy structure, endorsements, and subcontractor management.
This risk profile is common for large contractors and requires proper mitigation strategies and insurance coverage. We help you address it through policy structure, endorsements, and subcontractor management.
This risk profile is common for large contractors and requires proper mitigation strategies and insurance coverage. We help you address it through policy structure, endorsements, and subcontractor management.
This risk profile is common for large contractors and requires proper mitigation strategies and insurance coverage. We help you address it through policy structure, endorsements, and subcontractor management.
This risk profile is common for large contractors and requires proper mitigation strategies and insurance coverage. We help you address it through policy structure, endorsements, and subcontractor management.
This risk profile is common for large contractors and requires proper mitigation strategies and insurance coverage. We help you address it through policy structure, endorsements, and subcontractor management.
Why Large Contractors Choose Greene & Associates
30+ years insuring Florida's largest contractors. We understand complex risk structures, wrap-up programs, multi-state operations, and enterprise insurance management.
High-Limit Market Access
Direct relationships with insurers writing $10M–$50M+ excess limits. We place mega-contractors and their complex coverage needs daily.
Wrap-Up Program Expertise
Dedicated experience with OCIP and CCIP programs. We manage master policies, subcontractor compliance, and certificate issuance for large projects.
Certificate & Compliance Management
Real-time COI issuance, additional insured tracking, and subcontractor insurance verification. Enterprise-grade handling for 50+ active subcontractors.
We shop 20+ commercial carriers and have direct relationships with high-limit excess and wrap-up program specialists. Get enterprise-grade coverage at competitive rates.
Large Contractor Insurance Throughout Florida
From Jacksonville ports to Miami high-rises, we insure major construction operations across every Florida market.
Jacksonville
Port infrastructure, shipping terminals, and industrial warehouse expansion. Heavy marine work and coastal project requirements.
Orlando
Commercial real estate, hospitality expansion, and theme park development. Multi-million-dollar mixed-use and theme park contracts.
Tampa Bay
Industrial complexes, medical facility construction, and coastal high-rises. Gulf-facing corrosion and hurricane-resistant build requirements.
Miami
High-rise condos, luxury residential, and commercial towers. Strict code enforcement and significant completed operations exposure.
Fort Myers / Naples
Rapid commercial growth, resort development, and large residential communities. Strong single-family and multi-unit residential pipelines.
Gainesville / North Central
University and institutional projects, healthcare campus expansion, and regional commercial development hubs.
Based in Lake City, serving Florida statewide. We understand the unique insurance requirements of every major Florida market — from coastal hurricane requirements to multi-state operations complexity.
Large Contractor Insurance FAQ
What is the difference between OCIP and CCIP wrap-up insurance?
OCIP (Owner-Controlled Insurance Program) is purchased and controlled by the project owner; the contractor and subs are insured under the master policy. CCIP (Contractor-Controlled Insurance Program) is purchased by the general contractor; the GC and all subs are insured together. Both consolidate coverage and reduce costs. OCIP is common on mega-projects ($50M+); CCIP is standard for GC-led programs ($10M–$50M+). We help you determine which is right for your project structure.
How does the experience modifier affect insurance costs for $10M+ contractors?
Large contractors typically need an experience modifier (Ex-Mod) well below 1.0 (ideally 0.80–0.95) to remain competitive for bids. Ex-Mod is recalculated annually based on claims history and payroll. One major claim can push your mod above 1.0, pricing you out of competitive work. We shop carriers who offer experience modification discounts and help you manage claims to protect your competitive position.
What additional insured endorsements do large projects require?
Most GC/owner project agreements require CG 20 10 (ongoing operations) and CG 20 37 (completed operations) additional insured endorsements. Some owners also require builders risk coverage with owner loss payable status. Large projects ($25M+) often require custom endorsements and may require primary and non-contributory coverage. We ensure your policy has the correct endorsements before you sign contracts.
How do excess and umbrella layers work for a $10M+ contractor?
Excess liability sits on top of your primary GL policy (e.g., $2M primary + $5M excess = $7M total). Umbrella covers primary GL, auto, and employer's liability. Large contractors typically layer excess on top of excess (e.g., $2M primary + $5M excess + $10M excess = $17M tower). We coordinate limits across all layers to ensure no gaps and competitive coverage. Costs are lowest when using the same insurer for multiple layers.
Related Coverage
Ready to Protect Your Large Contractor Operations?
Get a free quote on high-limit large contractor insurance. We shop 20+ carriers for the best rates and highest limits.
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