Specialty Brokerage · CM AT RISK DELIVERY

Construction Manager at Risk Insurance for Contractors at $1M+

As a construction manager at risk, you advise the owner during design, then take responsibility for delivering the job at a set price. That dual role carries two kinds of risk: questions about the advice you gave, and the everyday risks of running the work. UCI helps you line up coverage that answers both, so a single claim is less likely to reach the firm itself.

WRITTEN PREMIUMS

$ 0 M+

LICENSED STATES

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CPCU · CRIS

Credentialed Advisors

What We Do

Coverage That Fits Both Sides of the At-Risk Role

Construction manager at risk delivery puts you in two positions on the same project. First you advise the owner on cost, schedule, and how the design will actually get built. Then you commit to a guaranteed maximum price, the ceiling you promise the owner you will not exceed, and run the construction yourself. Each position carries its own risk, and a standard contractor policy is usually written for only one of them.

UCI helps established construction managers match their coverage to both sides of that role. Before you sign the next at-risk contract, we look at how your policies respond if a claim questions your advice, if something goes wrong on site, or if a subcontractor cannot finish the work you priced.

Our Approach

A Clearer Process for Covering At-Risk Construction Work

Our four-step process looks at your at-risk role from both sides: the advice you give the owner and the construction you take on.

The result is more than a policy quote. It is a coverage plan shaped to how at-risk delivery actually works.

Discovery

Find the risks on both sides before you sign

UCI reviews your current liability and professional coverage, your recent claims history, and the insurance terms written into your at-risk contracts. The goal is to see where a claim about your advice, your construction work, or a subcontractor’s failure could reach the firm, before you commit to the next project.

Design

Match limits and policies to the work you priced

We use what we learn to plan coverage that answers both sides of the role. That means general liability for the construction itself, attention to claims that question your professional advice, and a look at how a subcontractor walking off or failing to finish could affect the price you guaranteed. The aim is a program that responds the way your contract assumes it will, not a generic policy.

Placement

Take the program to carriers who know at-risk delivery

UCI works with carriers experienced in construction risk and at-risk delivery to arrange a program that fits how you operate. Where the work calls for both liability and professional coverage, we coordinate the pieces so they line up rather than leaving a space a claim could slip through.

Stewardship

Keep coverage current as your contracts change UCI

UCI stays involved after coverage is in place, helping with certificate requests, contract questions, claims coordination, and reviews through the year. As you take on larger at-risk projects with stricter insurance terms, we review the program so it keeps pace with what each new contract asks of you.

Coverage Depth

What At-Risk Coverage Needs to Account For

Construction manager at risk delivery blends professional advice with hands-on construction, and the insurance has to answer for both. UCI reviews how the pieces fit so the program can respond when a claim tests it, whatever side of the role it comes from.

Cover the Advice You Give the Owner

Early in an at-risk project, you guide the owner on budgets, schedules, and whether the design can be built as drawn. If the owner later argues that guidance cost them time or money, a standard liability policy often will not respond, because it is written for property damage and injuries, not professional advice. A professional liability layer is designed to answer those claims. UCI reviews whether your program covers this side of the work, since at-risk delivery leans on it heavily.

Carry the Right Limits for the Construction Itself

Once the build is underway, you take on the same risks as any general contractor: injuries on site, damage to property, and claims tied to completed work. The owner’s at-risk contract usually sets the liability limits you have to carry. UCI reviews those requirements against your general liability program so the limits match what the contract calls for before the job is awarded.

Close the Space Between Your Two Policies

A single problem on an at-risk job can look like bad advice and bad construction at the same time, and each policy may point to the other. When professional and general liability are not coordinated, a claim can land in the space between them and fall back on the firm. UCI reviews how the two respond together so a claim is less likely to slip through that space.

Account for Subcontractors Under a Guaranteed Price

When you commit to a guaranteed maximum price, you carry the cost if a subcontractor walks off or cannot finish the work you priced. That risk sits with the firm, not the owner. UCI reviews how subcontractor requirements, prequalification, and any subcontractor default protection fit your program, so one failing trade is less likely to put the guaranteed price out of reach.

Meet What the Owner's Contract Requires

At-risk contracts, often written on standard AIA or ConsensusDocs forms, spell out the coverage and limits you have to carry, who must be named on your policy, and which rights you agree to give up. Missing one of these can delay an award or push cost back onto you. UCI reviews your program against the insurance terms in your active and target contracts, so you can sign knowing the coverage matches what the owner expects.

The Team

Meet Your CM At-Risk Advisors

When you call UCI, you reach a senior advisor by name, not a routing queue. These are the people who will handle your engagement.

Ryan Munoz

CRIS · MBA · Licensed P&C Agent

Senior advisor on large, complex contractor accounts with detailed insurance requirements built into their contracts. Manages a book exceeding $6M in premium.

Joe Grebenstein

CRIS · B.L.A.S., Arizona State

Commercial insurance specialist focused on construction and contractor risk. Works extensively with large, complex contractor accounts across multi-state operations.

Joe Hennessey

Licensed P&C Broker · Construction Specialist

Years of experience working with hard-to-place construction trades and niche contractor operations on high-stakes commercial projects.

Shawn Jason

Property and Casualty Licensed · CRIS Certified

Extensive experience supporting contractors with customized insurance programs, risk strategies, and coverage solutions for complex construction operations.

Client Voice

Why Construction Managers Choose UCI for At-Risk Coverage

“Miami Roofing Solutions has had an excellent experience working with Affordable Contractors Inc. for our General Liability coverage. Their team provides outstanding service, quick response times, and competitive pricing tailored to contractors in the construction industry. They are professional, knowledgeable, reliable, and make the insurance process smooth and efficient. We highly recommend Affordable Contractors Inc. to any contractor or business looking for a dependable insurance agent who understands the industry and delivers great value.”

“Dennis V was absolutely the greatest. He listened to our needs and got us the coverage we needed in a timely fashion. He was super knowledgeable, professional, and extremely nice as well as accommodating. I would highly recommend him to anyone in need of commercial business insurance.”

“Quick response and follow up call to discuss my needs. The estimate came fast and included options to limit my exposure beyond a standard policy. I shopped around but came back to ACI because of their knowledge, guidance and my general ease of understanding what I was getting. Joelle was great to work with. My new liability policy will grow with my business and keep me protected!”

“This was my first time searching for this type of insurance, and Joe made the process simple and informative. He understood what I needed, clearly explained the different coverage options, and gave me the information I needed to make a confident decision. He was patient with my limited internet experience and walked me through each step until everything was complete. After 30 years in construction, this was by far one of the most helpful and easy-to-understand insurance conversations I've had. I will definitely recommend Affordable Contractors Insurance to other contractors.”

“They made it easy to get the specialty coverages I needed. So many others struggled to get me what was required and they knew what was needed and how to handle it. Amazing group and they got me up and running fast for way less than I was quoted elsewhere.”

*UCI is a division of Affordable Contractors Insurance (ACI)

Start the Conversation

Request a Construction Manager at Risk Review

A risk review is a discovery call with a senior insurance advisor to talk through your business, your at-risk projects, and the coverage they call for. After the call, we provide a written analysis you can use to make informed decisions about your coverage.

Who We Serve

At-Risk Programs for Specific Construction Manager Roles

UCI works with construction managers and general contractors who take on at-risk delivery on larger commercial, public, and institutional projects. The firms most often engaged with UCI include:

General Contractors in an At-Risk Role

Holding the guaranteed price and the subcontracts on commercial and institutional work.

Construction Management Firms

Advising owners through design, then carrying the build under a set price.

Design-Build and CM Firms

Teams that move between delivery methods and need coverage that travels with the role.

Healthcare and Institutional Builders

Hospitals, labs, and care facilities where owners require strict coverage and high limits.

Education and Government Projects

Schools, universities, and municipal work where at-risk delivery and detailed insurance terms are the norm.

Large Commercial and Mixed-Use Builders

Multi-phase developments delivered under a guaranteed maximum price.

Heavy Civil and Infrastructure Managers

Roadway, utility, and large site work run under owner-controlled, at-risk agreements.

Specialty Contractors Acting as CM

Trades that take the at-risk lead on projects in their discipline.

FAQ

Common Questions About Construction Manager at Risk Coverage

What insurance does a construction manager at risk actually need?

At-risk delivery usually calls for more than one policy. You carry general liability for the construction itself, and most at-risk roles also need professional liability for the advice you give the owner during design and budgeting. Depending on the project, subcontractor protection and the right limits written into your contract matter too. UCI reviews your role on each project and helps you see what the program should include.

Doesn't my general liability policy already cover me as a construction manager?

Not entirely. A general liability policy is written for things like injuries and property damage, not for claims that your professional advice was wrong. Because at-risk delivery puts you in an advisory role before construction starts, a standard policy can leave that part of the work unanswered. UCI reviews whether your coverage addresses both sides of the role.

How is at-risk coverage different from what a regular general contractor carries?

A traditional general contractor is hired to build, so the coverage focuses on construction risk. A construction manager at risk is hired earlier to advise the owner, then takes on the build at a guaranteed price. That advisory role and that price commitment add risks a standard contractor policy may not address, which is why the program is usually broader.

Our owner's contract lists required coverages. Can UCI check that we meet them?

Yes. At-risk contracts, often on AIA or ConsensusDocs forms, spell out the coverage, limits, and conditions you have to carry. UCI reviews those terms against your current program and shows you where you already comply and where something may need to change before you sign.

What happens to the guaranteed maximum price if a subcontractor fails?

When you guarantee a price, the cost of a subcontractor walking off or failing to finish generally falls to your firm, not the owner. How well you are protected depends on your subcontract terms, your prequalification process, and whether you carry subcontractor default protection. UCI reviews how these fit together so a single trade is less likely to put the guaranteed price at risk.

When should we request a risk review instead of just asking for a quote?

A risk review makes sense when your role carries more than a standard quote can address: professional advice, a guaranteed price, subcontractor risk, and detailed contract requirements all at once. For an established construction manager, the question is not only what coverage costs. It is whether the program responds the way your contract assumes when a claim lands.

BEFORE THE NEXT AT-RISK PROJECT

Coverage That Keeps Pace With the Work You Take On

Each at-risk project asks something a little different: a new guaranteed price, stricter insurance terms, a different mix of subcontractors. Coverage that fit the last job may not answer the next one. UCI helps established construction managers review whether their program still matches the role they are taking on, and how it should respond if a claim questions the advice or the work. A risk review with a UCI senior advisor is the first step.