Construction projects are often subject to myriad claims.
Subcontractors can cause damage to third-parties and their
property, the project can be delayed by municipal inspections or
citations, workers can get injured, and property can be damaged by
fire, collapse or weather. To organize construction projects,
sometimes insurance is purchased through a plan. A contractor
controlled insurance plan (“CCIP”) provides coverage to
all enrolled parties and usually includes all subcontractors. But,
by enrolling in a CCIP or even by having your own insurance, not
all things that happen on a construction site are covered by
insurance. In a recent 4th Circuit opinion, claims by a
subcontractor to recover damages it paid to others for its faulty
excavation supports that caused damage to adjacent properties was
not covered by the CCIP.
