For developers
Rothberg Specialty helps developers coordinate land-development liability, construction risk, controlled-association exposures, permanent master coverage, and the transition to homeowner control.
Lifecycle risk
The strongest program treats the project as a continuum rather than a series of disconnected policies.
Vacant-land exposure, premises liability, grading, utility, road, drainage, subcontractor risk transfer, pollution, professional liability, and completed-operations planning.
Typical focus: project-specific GL, owner’s interest, pollution, professional, builders risk preparationBuilder’s risk, wrap-up or project-specific liability, delay, equipment, water damage, catastrophe, subcontractor default, contractual indemnity, and lender requirements.
Typical focus: owner-controlled or contractor-controlled structures, course of construction, excess liabilityBoard and officer liability, common-area property, general liability, crime, cyber, workers compensation, amenities, events, vendor contracts, and phased occupancy.
Typical focus: avoid gaps between construction and operational coverageValuation, completed construction, reserve information, governing-document allocation, owner communication, board education, claims history, and post-turnover renewal strategy.
Typical focus: a defensible transition package for the owner-controlled boardDeveloper insurance architecture
The appropriate structure depends on project type, delivery method, ownership, contractor relationships, limits, geography, and intended hold period.
Dedicated limits, named-insured structure, completed operations, residential exclusions, cross-suits, professional limitations, and subcontractor requirements.
Enrollment, payroll and cost reporting, subcontractor participation, deductibles or SIRs, excess layering, closeout, and completed-operations tail.
Hard and soft costs, delay in completion, existing property, temporary works, flood, earthquake, wind, water damage, testing, and transit.
Contractor pollution, site pollution, mold, transportation, non-owned disposal sites, delegated design, design-assist, and rectification considerations.
Gap protection around the contractor’s program, owner’s protective structures, umbrella and excess towers, and contractual-indemnity alignment.
Property, GL, D&O, crime, cyber, workers compensation, amenities, common assets, events, and management-company coordination.
Property-management professional liability, employment practices, fiduciary liability, cyber, crime, auto, equipment, and business interruption.
Claims, completed work, reserve studies, valuation, deductible allocation, owner communication, board records, and continuity of coverage.
Mixed-use, build-to-rent, master-planned communities, infrastructure, data centers, complex amenities, and phased developments.
Contract-to-policy alignment
A strong risk-transfer program is built before the loss, with requirements that can be verified and administered.
Underwriting readiness
A project can have attractive terms and still be unable to bind if key contracts, addresses, cost data, schedule information, or endorsements remain unresolved.
Legal entity, insured parties, addresses or coordinates, scope, values, schedule, units, buildings, delivery method, occupancy, and phasing.
Executed subcontractor agreements, insurance requirements, indemnity, additional insured, waiver, limits, and completed-operations obligations.
Removal or narrowing of unintended exclusions, confirmation of repair work, professional and pollution coordination, and excess follow-form review.
Mortgagee or lender interests, evidence requirements, notice provisions, loss-payee structure, delay coverage, and closing dates.
Wind, hail, flood, earthquake, wildfire, named storm, deductible, sublimit, modeled loss, and temporary-protection planning.
When construction coverage ends, who owns the asset, who maintains it, and which permanent policy begins responding.
Governing-document insurance input
Rothberg Specialty can provide insurance-risk input to developers and their legal counsel concerning the proposed allocation of insurance responsibilities between the association and individual owners.
That may include reviewing how the contemplated master-policy scope, deductibles, owner improvements, casualty obligations, unit boundaries, charge-back authority, and required owner coverage fit together.
Rothberg Specialty does not draft governing documents or provide legal advice.
How Rothberg engages
Identify ownership, entities, contracts, construction phases, financing, intended turnover, and operational responsibilities.
Determine which risks belong in project, corporate, contractor, owner, association, or specialty coverage.
Market the program, negotiate terms, resolve subjectivities, coordinate evidence, and confirm required documents.
Track completed operations, policy expirations, occupancy, association activation, asset handoff, and board turnover.
Published developer outcomes
These published examples are retained from Rothberg Specialty’s existing developer materials. The final production case files should document policy period, scope, comparison basis, and supporting records.
Selected historical results. The nature of each engagement, coverage change, calculation, policy term, eligibility, and market condition varies. Past results do not guarantee future outcomes.
Developer FAQs
Ideally before major contracts are finalized. Insurance requirements, indemnity, project delivery, financing, and expected operations can influence which structures are available and how risk is allocated.
No. Project size, construction type, location, duration, contractor structure, loss control, deductible tolerance, market conditions, and completed-operations needs all matter.
Sometimes, but the terms, entities, scope, residential exposures, contractors, timing, and carrier appetite must be evaluated. Separate coordinated placements may be more appropriate.
Ownership, maintenance, property, liability, D&O, crime, workers compensation, cyber, amenities, and the transition from construction to operational coverage must be timed carefully.
Yes, when authorized. The agency can coordinate insurance requirements and evidence while each professional remains responsible for their own discipline.
Share the project type, location, schedule, delivery method, and current insurance question. Rothberg Specialty will identify the most useful next step.