AL, AZ, CA, CO, FL, GA, MS, NJ, TX, plus 38 other states


  • 10%

Maximum Limits Available

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

Minimum Deductible

  • $2,500 property damage

Minimum Premium

  • $1,500

Program Highlights

  Overview Insurance and risk management services for small- to medium-size artisan and specialty trade contractors engaged in residential and/or commercial construction. The program is open to contractors that are involved in new construction, remodeling and tenant improvements, including new residential home building.   Market Focus General Liability program focused on small to medium artisan contractors with less than $1,000,000 annual payroll. Twenty Mile and its admitted and non-admitted carriers are uniquely positioned to provide insurance solutions to this market segment.

Contractors General Liability

Program Applications

Contractor Classes (Many More Available)

General Contractor (New Residential) Remodel Contractor (Commercial) Carpentry (Framing) Cleaning (Outside Building) Door & Window Installation Electrical Fencing Glass Installation/Glazing Handyman/NOC Labor  
    Insulation Masonry Painting (Interior) Plumbing (Residential) Roofing (New Commercial) Sandblasting Sheet Metal Swimming Pool Cleaning Tree Trimmer
    General Contractor (New Commercial)
    Air Conditioning System Installation
    Carpentry (Interior/Woodwork/Shop)
    Concrete (Flat)
    Equipment Rental (with operator)
    Floor Covering Installation
    Janitorial Metal Erection (Decorative) Painting (Exterior) Plumbing (Commercial) Roofing (Residential Repair) Septic Tank (Service, Repair, Installation) Siding and Decking Swimming Pool Installation Welding
Remodel Contractor (Residential) Appliance and Accessories Installation Carpet Cleaning Debris Removal Drywall Excavation Garage Door Installation Gunnite Pool Plaster
Landscape     Metal Erection (Structural) Plastering/Stucco Roofing (New Residential) Roofing (Commercial Repair) Sewer Mains Street/Road Paving (Commercial) Tile and Marble Installation

Eligible Risks

New construction on residential & commercial projects, including new single-family homes
Repair or remodeling of residential & commercial projects
75% or more of the exposure in approved class codes

Ineligible Risks

New construction of condominiums, condominiums conversions & townhouses (some exceptions)
Any structures/work greater than 3 stories (some exceptions)
Risks with exposure to process piping, blasting, landfills, tunneling, “emergency systems,” public utilities, and other similar extra hazardous exposures

Coverages Available

Blanket Additional Insured Per Project Aggregate
Waiver of Subrogation Subsidence (with limitations)
    Primary and Non-Contributory
    Prior Projects (with limitations)

Submission Requirements

ACORD Applications Pollution – Project Specific Application
Currently valued loss runs – 3 to 5 years
Supplemental Application