Contractors Insurance

Comprehensive Contractor Insurance: General Liability, Workers’ Comp & More - All Through Our Brokerage

Workers' CompProfessional LiabilityGeneral Liability Excess LiabilityPropertyInland MarineBOP

We cover these industries & more!

Concrete Work

Drywall

Fencing

Flooring

Framers

Iron & steel work

Masonry

Painting

Roofers

Septic tank installation

Solar Installation

& many more!

  Workers' Comp Forms

All other states: Download

WC Contractors Supplemental: Download

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Highlights

  • AM Best A-Rated carriers
  • Over 30 carriers available
  • No deductible requirements
  • Pay-as-you-go plan available
 

Guidelines

Contractor Risks

  • Minimum premium $5,000
  • 4 years loss runs or experience
  • No work over 40 feet or below 12 feet
  • Up to 50% sub exposure

Roofing & Solar Risks

  • $75,000 minimum premium (before assessments and taxes)
  • Minimum of 5 full years in operation (4 full years of loss runs)
  • 5 full-time roofing employees
  • No work over 40 feet
  • Up to 50% sub exposure
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Targeted Class Codes

Interior Finishes

  • 5445 – Drywall
  • 5479 – Insulation
  • 5474 – Painting
  • 5480 – Plastering
  • 5478 – Flooring
  • 5348 – Tile and Stone
  • 5437 – Interior Trim Carpentry

Structural & Exterior Work

  • 3724 – Solar Installation
  • 5022 – Masonry
  • 5040 – Steel Erection – Frame Structures
  • 5057 – Steel Erection – Other
  • 6217 – Excavation
  • 6400 – Fencing
  • 5648 – Siding – Aluminum, Vinyl, or Plastic
  • 5645 – Framing – Residential ≤ 3 Stories
  • 5551 – Roofing

Mechanical, Electrical & Plumbing

  • 5183 – Plumbing
  • 5190 – Electrical
  • 5537 – HVAC – Installation, Service, Repair

Specialty Contractors

  • 5221 – Concrete Flatwork
  • 5223 – Swimming Pool Construction
  • 5102 – Awnings & Shower Doors
  • 5606 – Project Managers / Superintendents
  • 6229 – Irrigation & Septic Systems
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States

Professional Liability Forms
No items found.

Highlights

General Liability
for Contractors

Submit General Liability Application
  General Liability Forms

GL Contractor Supplemental: Download

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Highlights

  • AM Best A-Rated carrier
  • Blanket Additional Insured, Waiver of Subrogation, and Primary Non-Contributory wording available
  • Defense outside the limits available
  • Completed ops available
  • Open roof and torch-down coverage
  • Competitive markets for hard-to-place risks
 

Guidelines

  • Minimum premium $750
  • New ventures considered
  • 3-5 years loss runs for established businesses
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States

AL, AR, CA, CT, DC, FL, GA, LA, MA, MD, ME, MO, MS, NC, NJ, OH, OK, PA, RI, SC, TN, TX and VA.

Excess Liability
for Contractors

Submit Excess Application
Excess Forms
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Highlights

  • Up to $5,000,000 limit
  • Underlying must be A-rated carriers
  • Stand-alone policies available
  • Follow-form coverage available

Property
for Contractors

Submit Property Application
Property Forms
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Highlights

  • Coastal coverage available (Max TIV $5M per location)
  • Windstorm availability varies by location
 

States

AL, AR, CA, CT, DC, FL, GA, LA, MA, MD, ME, MO, MS, NC, NJ, OK, PA, RI, SC, TN, TX and VA.

Inland Marine
for Contractors

Submit Inland Marine Application
  Inland Marine Forms

Highlights

  • Builders Risk
  • Contractor's Equipment - Scheduled, leased, or borrowed
  • Installation Floater
Business Owner's Policy Forms
No items found.

Highlights

Cyber Forms

Submit cyber applications online

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Highlights

  • Active risk assessment to understand your risk in real-time
  • Active protection through monitoring and alerting to prevent risks
  • Active response with in-house response teams & leading coverage if an incident occurs
  • Both admitted and surplus available
  • Coverage: Up to $10M in aggregate, covering systems failure, social engineering, and more

Ready to submit an Application?

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