This program is designed for CGs and Artisan Contractors performing new commercial construction, and both commercial and residential remodeling projects.

General Contractors

Provides general liability coverage for small to medium-sized General Contractors. This includes General Contractors involved in commercial new construction, as well as commercial tenant improvements and residential service/repair/remodel work with less than $45,000,000 in annual receipts and less than $15,000,000 for any given project:

1. Commercial Builders
2. General Contractors involved in residential or commercial remodeling and tenant improvements

Artisan Contractors

Provides general liability coverage for small to medium‐sized Artisan Contractors. This includes residential and commercial Artisan Contractors involved in commercial new construction, as well as commercial and residential service/repair/remodel work with less than $45,000,000 in annual receipts and less than $15,000,000 for any given project.

Risks that have any one of the following characteristics are not eligible for this program:

1. Any work related to new residential projects
2. Sub Costs on an "if any" basis or $0 costs
3. Oil & gas related work
4. Any work with or on cranes
5. Work on tract housing
6. Construction defect remediation
7. Boring/tunneling/horizontal drilling
8. Any work for nuclear power plants
9. Work on and around railroads
10. Work within right-of-ways/easements/along highways
11. Work on dams, bridges, aircraft, tunnels, ships, piers or docks
12. Installation of drywall manufactured or imported from China
13. Work on escalators and elevators
14. Foundation repair
15. Underpinning/shoring of buildings
16. Mold remediation
17. EIFS Stucco work
18. Playground installation
19. Offshore work
20. Installation of any medical assistance devices such as ramps, chair lifts
21. Any work with explosives
22. Involvement in wrap-ups

1. A signed contractor's supplemental application must be completed within ten (10) days of binding
2. Loss History: No more than three losses in most recent three years

• New ventures & lapses in coverage are allowed

• Minimum premium is $500 for 1/2m limits

• Minimum premium is $1,250 for higher 2/3m limits

• We can provide a 15% premium credit to clean risks with current coverage

• NO INSPECTIONS for accounts under $30,000 premium

• Blanket "Ongoing" Additional Insured is available for commercial & residential risks

• Blanket "Completed Ops" Additional Insured is available for commercial & residential risks

• Per Project Aggregate is available

• Professional Liability is available

• Property coverage is available

• Inland Marine with installation floater is available

States Available

California

Downloads

Construction Overview