OVERVIEW AND FOCUS:

This General Liability program is focused on small to medium General and Artisan contractors with less than $1,000,000 annual payroll. Small to medium-size General Contractors, Artisan Contractors 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.

PROGRAM HIGHLIGHTS:

  • Rated AXV by AM Best
  • Minimum Premium starting at $2,500
  • New Ventures Acceptable
  • No Prior OK
  • Paper General Contractors OK
  • 100% Sub out OK
  • Construction Managers OK
  • Tract Work OK with Underwriting Approval
  • Most new construction on residential and commercial projects, including custom and spec homes
  • Apartments OK
  • Roofers OK
  • Restoration work OK
  • EIFS coverage available with Underwriters Approval
  • Blanket A/I, Primary, Waiver and Per Project Available
  • Subsidence Coverage available subject to Underwriter Approval
  • Accounts with Prior Claims will be considered with an explanation

COMMISSION:

10%

COVERAGES AVAILABLE:

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

On-Going and Completed Operations Additional Insured Endorsements Available

MAXIMUM COVERAGE LIMITS:

  • $2,000,000 General Aggregate
  • $2,000,000 Products Aggregate
  • $1,000,000 Per Occurrence
  • $1,000,000 Personal/Advertising injury
  • $1,000,000 Employee Benefits Liability
  • $100,000 Fire Damage Legal liability
  • $5,000 Medical Payment Expense

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 or conversion of condominiums or townhomes unless approved by the carrier
  • Risks with exposure to process piping, blasting, landfills, tunneling, “emergency systems and other Similar extra hazardous exposures.
  • Bridge or Airport related construction
  • Swimming pool contractors
  • Fire suppression contractors
  • Crane Operators
  • Any structures/work greater than 3 stories (exceptions on approval only)
  • Risks with exposure to process blasting, landfills, tunneling, “emergency systems,” public utilities, and other similar extra hazardous exposures

STATES:

AK, AL, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MO, MS,
NC, NJ, NM, NV, NY, PA, SC, TN, TX, UT, VA, WI, WV

SUBMISSION REQUIREMENTS:

  • ACORD 125 and 126
  • Currently valued loss runs – 3 to 5 years
  • Contractor Supplemental

DOCUMENT SUBMISSION

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