Our Responsive Contractor Insurance Program allows agents to customize coverage through optional forms selection when quoting each risk, and influence pricing with the application of pricing credits.

Small Program

Provides general liability coverage for small-sized General Contractors. The small program is designed for artisan trades and remodeling contractors with sales up to $750k, payroll update to $250k, and sub exposure up to 50%. The minimum premiums are as low as $500. Our technology enables our Brokers to customize policies in real time by adding or subtracting coverages based on your client’s budget and risk profile. The policy includes blanket ongoing Ops A/I using the CG 2010 form, and blanket commercial completed Ops A/I using the CG 2037 form.

Large Program

Provides general liability coverage for medium to large‐sized Artisan trades, Plumbers, Refrigeration contractors, Glaziers, and Homebuilders. The large program does not have any max limit for either sales or payroll, and allows sub exposure up to 100%. The minimum premium for the large program is $2,500. Like the small program, the policy includes blanket ongoing Ops A/I using the CG 2010 form, and blanket commercial completed Ops A/I using the CG 2037 form.

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

1. Any work involving stand-alone roofing, structural steel, building demolition, welding, and lath or plaster operations.
2. Work on new condominiums, townhouses, or tract homes with fifteen (15) or more units at any time in the development.
3. Work on occupied student housing.
4. Remodeling/repair work on senior housing, assisted living facilities or retirement homes that provide onsite skilled medical or on-site non-skilled care.
5. Any structural work including grading and excavation on slopes of greater than 30 degrees, retaining walls that exceed 6 feet in height, or excavation over 6 ft in depth.
6. Sales, installation, service or repair of automatic fire extinguishing systems, boilers, elevators, escalators, surveillance systems or TV monitoring systems, either commercial or residential.
7. Sales, installation service or repair of wood, coal or waste oil-burning stoves.
8. Removal or installation of asbestos insulation or asbestos containing material, fungus, molds, or installation of insulation materials other than fiberglass, rock wool, or plastic. 
9. Sales or application of chemicals such as herbicides or pesticides unless incidental application of “overthe- counter” herbicides or pesticides on lawns under the insured’s regular care.
10. Work for petroleum, industrial, or chemical facilities.
11. Operations/work on or for airport, elevator, environmental remediation, railroad, swimming pool construction, traffic lights, underground tanks, skylights, or EIFS.
12. Utility/Main Line fiber optic cable work or installation.
13. Tunneling.
14. Any work performed on the exterior of buildings above four (4) stories or 48 feet in height.
15. General Contractors who have been personally bankrupt or the principal in a company that has been bankrupt within the past three (3) years.
16. Recreational or playground construction.
17. Contractors where any officer, owner, or partner has been indicted or convicted of the crime of fraud, bribery, or arson.
18. Risks involved in demolition of structures exceeding one (1) story in height, and/or demolition of any structure by wrecking ball or explosives.
19. Any contractor involved in foundation repair, stabilization and/or retrofitting.
20. Any contractor involved in solar energy installation or repair including solar panels, battery storage and related electrical work.

1. A signed contractor’s supplemental application must be provided at time of binding.
2. Loss History (for prior 3 years): Accounts with losses must be referred to Affiliated.
3. Currently valued loss runs for the past three (3) years are required to remove the prior work exclusion.

• New Residential Construction allowed

• Up to 50% sub exposure allowed

• Minimum premium is $500

• We can provide up to 50% premium credit to clean risks with current coverage

• Blanket "Ongoing" Additional Insured is available for FREE

• Blanket "Completed Ops" Additional Insured available for Commercial only

• $5M Project Aggregate Blanket is available for $100

• New Residential Construction allowed

• Unlimited sub exposure allowed

• Minimum premium is $2,500

• We can provide up to 50% premium credit to clean risks with current coverage

• Blanket "Ongoing" Additional Insured is available for FREE

• Blanket "Completed Ops" Additional Insured is available for Commercial only

• $5M Project Aggregate Blanket is available for $100

States Available

California

Downloads

Responsive Contractor Insurance Underwriting Guidelines