Rated A-VIII Non-Admitted by AM Best Rating

States

AK, AL, AR, AZ, CA, FL, GA, IL, IN, KY, LA, MS, MO, NC, NJ, NM, NV, PA, SC, TN, TX, UT, VA, WV

Commissions

  • 12.5%

Maximum Limits Available

  • $1,000,000 per occurrence
  • $2,000,000 general aggregate
  • $2,000,000 products aggregate

Minimum Deductible

  • $1,000 property damage and bodily injury per claim

Minimum Premium

  • $1,000 for most classes

Program Applications

Download Application +

Difficult to place classes

 

( Includes but is not limited to)

  • Developers
  • Foundations
  • Roofing
  • Excavation
  • Swimming Installation

Additional Highlights

  • 15% minimum premium
  • Blanket Additional Insured included at no additional premium
  • Limited coverage for EFIS (additional premium, $500.00)

Endorsements

  • Per project aggregate limit endorsement at $5M gross
  • Blanket additional insured – compare to CG 20 10 11 85 available for commercial projects only
  • Blanket primary wording endorsement
  • Blanket waiver of subrogation endorsement

Submission Requirements

  • Three years of currently valued company loss runs* or a currently dated known loss letter signed by the individual owner, partner or officer of the company
  • Guardian Application
  • Resume of experience required companies with less than 2 years’ experience

Edit

Program Highlights

  • A8 rating by AM Best
  • Artisan Minimum Premium: $750.00 for most classes
  • GC Minimum Premium: $1500.00
  • Roofers Minimum Premium $3000.00
  • Rating based on gross receipts only (great for heavy payroll accounts)
  • Fast 24 Hour turn around
  • No Limitation on Work Subcontracted Out
  • New Ventures/Gaps in Coverage Considered
  • Limits up to 1/2/2
  • Blanket AI included in every policy
  • 61 Classes of Contractors acceptable

Contractor Classes (Many More Available)

  • Foundations
  • Carpentry
  • Concrete Construction
  • Debris Removal
  • Drilling
  • Drywall
  • Electrical
  • Excavation
  • Fencing
  • Flooring
  • Commercial General Contractor
  • Residential General Contractor
  • Grading
  • HVAC
  • Insulation
  • Irrigation Installation
  • Metal Erection
  • Painting
  • Plastering and Stucco
  • Paving
  • Pre-Fab Building
  • Roofing
  • Sand Blasting
  • Septic Systems
  • Sheet Metal
  • Siding Installation
  • Solar Energy
  • Street and Road Construction
  • Swimming Pool Contractors
  • Wrecking