Construction projects run on risk—and insurance and bonds are how that risk is managed, shifted, or guaranteed. But coverage gaps, delayed claims, and poorly negotiated policies can leave contractors and owners exposed right when they need protection the most.

At Elkhoury Law, I help clients navigate construction insurance and surety bond issues with clarity. Whether you’re negotiating coverage terms, reviewing bond requirements, or facing or bringing a claim, I bring legal insight grounded in the realities of how construction projects actually run.

Construction Insurance and Surety Bonds: What You Need to Know

Construction contracts routinely require a combination of insurance policies and bonds, each protecting against different categories of risk.

🛡️ Common Construction Insurance Types:

• Commercial General Liability (CGL) – covers bodily injury and property damage

• Builder’s Risk – covers damage to the project during construction

• Professional Liability (E&O) – covers design errors or omissions

• Pollution Liability – often required for environmental work

• Workers’ Compensation / Employers’ Liability

• Umbrella / Excess Liability

• Owner-Controlled Insurance Programs (OCIPs) / Contractor-Controlled (CCIPs)

🧾 Common Surety Bond Types:

• Performance Bonds – guarantee completion of the work

• Payment Bonds – guarantee payment to subcontractors and suppliers

• Bid Bonds – secure the owner in case of bid withdrawal

• Maintenance Bonds – cover post-completion defects or failures

Each policy or bond has its own triggers, exclusions, and procedures—and a missed notice or bad endorsement can turn “covered” into “denied.”

How Elkhoury Law Helps with Construction Insurance and Construction Bonds

I don’t just read policies—I translate them into usable, enforceable protections. I work with contractors, owners, and sureties to make sure their coverage and guarantees match the real risks on the job.

Pre-Project Contract Review

• Reviewing and negotiating insurance and bond requirements in owner contracts and subcontracts

• Working with insurance and/or bond brokers to secure necessary coverage

• Advising on:

  • Coverage limits and exclusions

  • Additional insured endorsements

  • Waivers of subrogation

  • Primary/non-contributory language

  • OCIP/CCIP program structure and enrollment issues

• Ensuring bond terms are aligned with project scope and performance risk

Coverage Evaluation & Risk Transfer

• Evaluating whether a policy actually covers:

  • Defective work

  • Completed operations

  • Subcontractor-caused losses

  • Design errors

• Identifying gaps between coverage, indemnity obligations, and contract expectations

Claim Support & Dispute Resolution

• Assisting with:

  • Insurance tenders and coverage denials

  • Delay and property damage claims

  • Surety bond claims—performance, payment, and indemnity

  • Negotiations between contractors, insurers, owners, and sureties

• Representing clients in insurance coverage litigation and bond enforcement actions

Why Work with Elkhoury Law?

Because when things go wrong on a job site, your next call is often to your insurance carrier—or your surety. I help clients make sure their protections are solid before the claim hits and fight to enforce them when things go sideways. My approach is practical, proactive, and grounded in how construction risk is actually managed in the field and in the contract.

Texas-Based Construction Risk Lawyer

Whether you’re dealing with an insurance dispute, trying to enforce a performance bond, or simply making sure your contract terms are enforceable, Elkhoury Law provides practical, focused guidance on the legal tools that protect your business when the unexpected hits.