Construction projects carry massive exposure — a single catastrophic claim can exceed your primary policy limits in seconds. Soma's Construction Excess Liability Insurance provides the additional layer of protection contractors, developers, and specialty trades need, sitting above your existing coverage to guard against the outsized claims that define high-stakes construction environments.
Comprehensive excess liability solutions tailored for every tier of the construction industry, from specialty trades to large-scale developers.
An additional layer of liability protection that activates when your primary general liability policy limits are exhausted, protecting contractors and developers against catastrophic third-party bodily injury and property damage claims.
Broad-form umbrella policies that extend over multiple underlying policies simultaneously — including general liability, employer's liability, and commercial auto — providing seamless gap-filling coverage for complex construction operations.
Excess liability protection specifically covering defect and damage claims arising after project handover, a critical layer for general contractors and developers facing long-tail completed operations exposures.
Excess liability coverage structured to sit above Owner-Controlled or Contractor-Controlled Insurance Programs, consolidating protection across all project participants on large-scale multi-trade developments.
Customized excess liability programs for general contractors, subcontractors, and specialty trades, designed to satisfy lender, owner, and contract requirements while scaling with your project pipeline.
Soma's Risk Management Team analyzes your construction operations, identifies coverage gaps, and structures excess liability towers at the right limits — replacing the slow, traditional broker model with fast, expert-driven program placement.
Construction is one of the highest-liability industries in commercial insurance. A single serious incident — a scaffold collapse, a structural defect claim, or a multi-party injury on a large jobsite — can easily exceed a standard general liability policy's limits. Soma places Construction Excess Liability coverage through top-rated specialty carriers including Chubb, Liberty Mutual, and Kinsale, providing the additional financial protection your projects demand. Whether you're a general contractor managing multi-trade sites or a developer navigating lender requirements, Soma structures excess coverage that fits your operations and gets you insured fast.
See how contractors, developers, and specialty trades have protected their businesses with Soma's excess liability programs.
Soma combines specialty market access, deep construction expertise, and unmatched speed to place excess liability coverage that standard brokers can't.
Soma places excess coverage through top-rated carriers like Chubb, Liberty Mutual, and Kinsale — markets that standard brokers often can't access for complex construction risks.
Our specialists understand contractor liability, completed operations exposure, and wrap-up program structures, ensuring your excess tower is built correctly from day one.
No waiting weeks for responses. Soma's streamlined process delivers excess liability quotes quickly, so you can meet contract and lender requirements without delays.
Submit a single application and let Soma's Risk Management Team structure a complete construction insurance program — excess liability included — customized to your operations and project pipeline.
Experienced insurance specialists dedicated to protecting complex construction businesses.
Soma is built on a single conviction: complex businesses deserve better than slow, generic brokerage. As the fastest brokerage for hard-to-insure risks, Soma has processed thousands of businesses across construction, manufacturing, healthcare, and beyond, placing coverage that traditional brokers routinely decline. Our Risk Management Team combines deep industry knowledge with access to hundreds of specialty carrier partners — including Chubb, Liberty Mutual, Kinsale, and Markel — to structure insurance programs that are fast, right-priced, and built around how your business actually operates. For construction clients, that means excess liability towers that satisfy lenders and owners, wrap-up programs for complex multi-trade developments, and coverage that scales with your project pipeline.
Excess construction insurance is a policy that provides additional liability limits above your primary general liability policy. When a claim exhausts your underlying coverage limits, the excess policy activates to cover remaining costs. It's essential for contractors and developers on large projects where a single incident — such as a structural collapse or multi-party injury — could generate claims far exceeding standard policy limits.
Speak with a Soma construction insurance specialist for a fast, no-obligation consultation.
Partnered with top-rated carriers including Chubb, Liberty Mutual, and Kinsale
Recognized for expert analysis and fast placement of complex construction risks
Trusted brokerage for placing coverage others won't across construction verticals
Tell us about your construction operations and coverage needs. Soma's Risk Management Team will analyze your requirements and deliver a tailored excess liability quote fast — no waiting, no chasing brokers.