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What State is the Project Located in?
New York, Hard Construction Value $0-$30M
New York, Hard Construction Value $30M-$100M
New York, Hard Construction Value >$100M
All Other States
/9
What is the Hard Cost Construction Value of the project?
$0-$30M
$30M-$100M
>$100M
/9
What are the key risk exposures?
Significant on-site labor risks
Minimal on-site labor risks
/9
What type of work is being performed?
High-risk trades (e.g., roofing, structural steel)
Low-risk trades
/9
Do you have Other State, Jurisdictional, or Job Profile Considerations?
Residential (for sale) exposures
Monopolistic State Workers’ Compensation laws
/9
How many subcontractors will be on-site, and do they typically have their own WC coverage?
Most subs have strong WC programs
Few subs have WC programs
/9
Do you want to streamline claims handling and safety oversight?
Yes
No
/9
Do you have the resources to manage a Bi-Line wrap-up?
Yes
No
/9
Is your Client (Insured) willing to post collateral?
Yes, willing to post collateral
No, collateral is problematic
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Bi-Line Project
Highly suitable for projects with significant on-site labor or high-risk trades. Allows for centralized claims handling and robust safety protocols.
GL-Only Project
Ideal for projects where budget concerns and simpler administrative processes are prioritized. Works well for projects with existing subcontractor WC coverage or residential exposures.
Project Specific
Best for smaller projects or those needing individualized risk assessments. Provides flexibility but requires comprehensive initial planning.