Construction project at dusk with a tower crane, representing Owner's Interest liability coverage
Vicarious liability · drop-down · completed ops

COVER THE OWNER,
NOT JUST THE JOB.

A project-specific liability policy for the project owner — limits up to $10MM, blanket additional insured, and completed-operations protection that runs for years after the build wraps.

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A+
A+ rated carrier paper
$10MM
Limits up to $10MM / $10MM
10 yrs
Extended completed ops*
Blanket AI
Additional insured included
What it covers

Protection built for the owner’s exposure.

Vicarious liability
Third-party claims arising from your contractors’ operations.
Drop-down excess
Responds when the general contractor’s limits are exhausted or can’t reply.
Completed operations
Long-tail protection, up to 10 years or the statute of repose.*
Optional add-ons
Pollution and subsidence available by endorsement, subject to appetite.
Where others won’t

Demolition and crane work, welcome.

Tower cranes, structural demolition, and complex logistics are in appetite when proper controls are in place — the jobs many markets shy away from.

Tower cranes
Structural demolition
Demolition-only, in progress
The key distinction

Owner’s Interest vs. OCP

Two policies protect the owner, but they cover very different things. The completed-operations gap is usually the deciding factor.

Coverage
Owner’s Interest
OCP
Completed operations
Covered
None
Extended completed ops
To 10 yrs*
None
Blanket additional insured
Included
Varies
Action-over claims
Covered
Excluded
Personal & advertising injury
Covered
None

*Up to 10 years or the statute of repose, whichever is less. General distinctions only; actual terms vary and are governed solely by the terms of the issued policy. Full comparison →

Range of construction projects from multi-family to commercial buildings

Custom homes to high-rises. New builds to renovations.

Written for residential and commercial projects — apartments, condos, hotels, warehouses, and more.

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Common questions

Owner’s Interest, answered.

What does an Owner’s Interest policy cover?
It protects the project owner against third-party claims arising from the operations of hired contractors, and typically includes completed-operations coverage — a key gap in OCP policies. Coverage is governed solely by the terms of the issued policy.
Is Owner’s Interest the same as being an additional insured on the GC’s policy?
No. Additional insured status depends on the contractor’s policy staying in force with adequate limits. Owner’s Interest is the owner’s own policy, so it can respond when the contractor’s coverage has eroded, lapsed, or cannot reply.
When should an owner buy their own policy instead of relying on a wrap-up?
Owner’s Interest suits owners who want dedicated, project-specific protection without the administrative burden and long-term obligations of a controlled insurance program. The right structure depends on the project’s size, duration, and risk profile.
How long does completed-operations coverage last?
Extended completed operations can run up to 10 years or the applicable statute of repose, whichever is less, addressing the long-tail liability that can attach to an owner after a project closes.
Keep reading

Related coverage

Guide
Owner’s Interest insurance
The complete guide for project owners and developers.
Pricing
What does it cost?
The factors that drive your premium.
Project types
Coverage by project
Custom homes, multifamily, commercial, and more.

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Project-specific Owner’s Interest quotes for owners and developers. Tell us about your build.

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