Contractors Liability

he Contractors General Liability Program focuses on the small general contractor and artisan performing either commercial or residential work.

Eligible Operations:

  • GCs with annual receipts under $15M ad project values under $3M
  • Artisans with over 15 or fewer employees
  • No limitation on work subcontracted out to others
  • New Residential construction eligible for GC’s and Artisans
  • Uninsured Subcontractors – Options available

Program Highlights:

  • GC Minimum Premium $1500 (CA -> $3500)
  • Limits up to $1M/$2M
  • New Residential up to 25 Single Family
  • Artisan Minimum Premium: $750 (Over 70 Classes)
  • New Ventures / Gaps in Coverage Considered

Optional Coverages:

  • Blanket Additional Insured
  • Waiver of Subrogation
  • Per Project Aggregate
  • Employee Benefits Liability

Ineligible Exposures:

  • Exterior Work Over 3 Stories
  • Smoke, Fire, or Water Restoration
  • Industrial Construction
  • Infrastructure Risks – Roads, Sewers, Bridges, Etc.
  • Demolition or blasting operations
  • Recreational / Playground / School Constructions

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