Bridge insurance for bridges under construction covers structural, weather, and construction-phase exposures while the facility is still being built.
Underwriting considerations
Underwriters model location hazards, design complexity, construction sequencing, contractor controls, and schedule exposure. Because large civil projects are long duration, completion timing and contractor coordination heavily influence premium and conditions.
Claims and claims handling
Claims may involve physical damage, delays, or consequential effects in the schedule. Coverage terms must specify whether delay and soft costs are included, and whether any sublimit applies during the construction phase.
Regulatory and project context
Public infrastructure programs often involve additional contractual and procurement requirements. Documentation quality can significantly reduce disputes during recovery.
Example
A bridge spans multiple jurisdictions with difficult weather windows. A severe flood during construction creates delayed completion and additional equipment replacement, both of which should be addressed in the policy wording before bind date.