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Residential and
Commercial Course of Construction Coverage
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Project Types
| Construction Types |
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Eligible Projects |
Back to Program Home
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Project |
New
Construction |
Addition to
Existing Structure |
Cosmetic
Renovation |
Structural
Renovation |
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Apartments, Townhouses, Condos |
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Frame |
$5,000,000 |
$5,000,000 |
$5,000,000 |
Ineligible |
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Joisted Masonry |
$5,000,000 |
$5,000,000 |
$5,000,000 |
Ineligible |
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Fire Resistive
Masonry
Non-Combustible
Metal Non-Combustible |
$25,000,000
$25,000,000
$25,000,000 |
$25,000,000
$25,000,000
$25,000,000 |
$25,000,000
$25,000,000
$25,000,000 |
Ineligible
Ineligible
Ineligible |
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Residential Dwelling |
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Frame |
$5,000,000 |
$5,000,000 |
$5,000,000 |
Ineligible |
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Joisted Masonry
Fire Resistive
Masonry
Non-Combustible
Metal Non-Combustible |
$5,000,000
$5,000,000
$5,000,000
$5,000,000 |
$5,000,000
$5,000,000
$5,000,000
$5,000,000 |
$5,000,000
$5,000,000
$5,000,000
$5,000,000 |
Ineligible
Ineligible
Ineligible
Ineligible |
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Strip
Malls, Shopping Malls, Commercial Office Buildings
Warehouses, Utility
(Commercial Towers, Power Plants, Water
Plants) |
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Frame |
$5,000,000 |
$5,000,000 |
$5,000,000 |
Ineligible |
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Joisted Masonry |
$5,000,000 |
$5,000,000 |
$5,000,000 |
Ineligible |
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Fire Resistive
Masonry
Non-Combustible
Metal Non-Combustible |
$25,000,000
$25,000,000
$25,000,000 |
$25,000,000
$25,000,000
$25,000,000 |
$25,000,000
$25,000,000
$25,000,000 |
Ineligible
Ineligible
Ineligible |
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Bridges, Overpasses, Tunnels |
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All construction types ineligible |
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Project Types |
Top |
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Structural Renovations are
projects that involve:
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Alteration and/or removal of any
structural and/or load bearing walls
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Construction of additional floors
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Alteration, movement or addition of
a stairwell or elevator shaft
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Addition to the existing structure
Cosmetic Renovations are
projects that involve:
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Updating of electrical work or
plumbing
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Updating of carpeting
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Replacement of windows and other
non-structural aspects of a building
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Removal, movement or addition of
interior walls that are non-structural (such as an office "fit
out")
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Construction
Types |
Top |
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Frame |
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Buildings where the exterior
walls are wood or other combustible materials including
construction where combustible materials are combined with
other materials such as brick veneer, stone veneer, wood
iron-clad, stucco on wood. |
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Joisted Masonry |
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Buildings where the exterior
walls are constructed of masonry materials such as adobe,
brick, concrete gypsum block, hollow concrete block, stone,
tile or similar materials and where the floors and roof are
combustible. |
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Fire Resistive |
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Buildings where the exterior
walls and floors and roof are constructed of masonry or Fire
Resistive materials having a fire resistance rating of not
less than two hours. |
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Masonry Non-Combustible |
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Buildings where the exterior
walls are constructed of masonry materials as such as adobe,
brick, concrete gypsum block, hollow concrete block, stone,
tile or similar materials, with the floors and roof of metal
or other non-combustible materials. |
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Metal Non-Combustible |
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Buildings where the exterior
walls and the floors and roof are constructed of, and
supported by metal, asbestos, gypsum or other
non-combustible materials. |
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Disclaimers
Coverages referenced on this
website may not be available in all territories and may vary depending
on the exposure. Minimum premiums may vary by
State. Coverages and services described in this website are generally stated for the purpose of promotion. The material does not modify or amend the
terms, conditions, or coverages of any policy. Please ask your Supple-Merrill & Driscoll, Inc. representative to explain coverage details,
exclusions, limits
or other provisions of any insurance policy.
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