General Liability
The Responsive Contractor Insurance Program allows producers to customize coverage through optional forms selection when quoting each risk, and influence pricing with the application of pricing credits.
Underwriting Criteria
- A signed contractor's supplemental application must be provided at time of binding.
- Loss History for prior five years. Accounts with losses must be referred to underwriting.
States Available
California, Arizona, Nevada, Utah, Washington
Eligibility
Financial and Insurance Restrictions
The applicant certifies that:
- gross receipts will never exceed $2,000,000 for any single residential project.
- gross receipts will never exceed $5,000,000 for any single commercial project.
- the insured has not filed for bankruptcy in the past three (3) years.
- the insured has not sustained a loss against their general liability policy in the past five (5) years.
- the insured has not been denied coverage or had coverage canceled by an insurance company.
- the insured has no current knowledge of any event that may result in a general liability claim.
Subcontractors Requirements
The applicant certifies that all subcontractors are required to:
- sign a written contract with the applicant, prior to commencement of work, stating the scope and cost of the subcontracted work.
- hold a valid license in their respective trade(s) for the work being preformed.
- be in full in compliance with all applicable construction laws, codes, statutes, regulations, ordinances and permit requirements.
- carry general liability insurance with limits, equal to or greater than, the applicants general liability limits.
- name the applicant as an additional insured on the subcontractors general liability policy.
Work Restrictions & Limitations
The applicant certifies that at no time during the course of their work will they perform any of the following work:
- new home building as a General Contractor.
- framing performed as a subcontractor.
- foundation installation, repair, retrofitting, and/or stabilization work of any kind.
- stucco work of any kind.
- roofing of any kind, including solar panel installation, solar battery systems, electric vehicle chargers, or any solar-related activities.
- structural demolition work.
- in excess of four (4) stories or forty eight (48) feet in height.
- work below grade in excess of six (6) feet in depth.
- work on retaining walls in excess of six (6) feet in height.
- work on gradients or slopes in excess of fifteen (15) degrees.
- work on airports, including runways, jetways, or baggage and security systems.
- work on public streets, roads, highways, or bridges, including traffic signals, traffic controls, or traffic lights.
- work involving sound barrier construction adjacent to a freeway or other roadway.
- work on railroads or subways, power lines, or any work for a utility company or municipality.
- work on dams, coffer dams, levees, dikes, canals, or reservoirs.
- work on gas stations, petroleum plants, oil wells, oil/gas refineries, or chemical facilities of any type.
- work involving underground tank or other storage container installation.
- work involving digging, trenching, or any work on or under public roadways or public property.
- work involving underground horizontal boring or tunneling operations.
- work involving erosion control or sinkhole mitigation operations.
- work involving the application of pesticides, herbicides, or any chemical requiring a license.
- work involving fire, water, mold, asbestos, or any type of environmental damage remediation.
- work involving fire sprinkler systems, fire extinguishing systems, or fire suppression systems of any type.
- work involving fire, security, or alarm systems, including monitoring of such systems.
- work on fireplaces or wood, coal, oil, and/or waste-burning stoves, boilers, or steam systems.
- work involving logging, lumber operations, or the collection, processing, or distribution of firewood.
- work involving mobile home or modular home takedown, transportation, or setup.
- work involving kitchen appliance repair of any kind, or work on Liquid Petroleum Gas systems.
- work on automobiles, motorcycles, watercraft, recreational vehicles, or any other type of vehicle.
- work on medical machinery or medical equipment, and no work at any medical facility.
- work on swimming pools, including installation, service, or repair.
- work on elevators, escalators, or ski lifts.
- work involving fiber optics or data center facilities of any type.
- crane or hoist work.
- sales without installation and no rental of equipment to others.
- warehouse or industrial work of any type.
- fencing at secure facilities or fencing related to crowd control or safety barriers.
- fabrication or manufacturing of items not installed by the insured.
- waterproofing unless required by code or regulation for the work being performed.
- installation of gas lines, water lines, or sewer main lines to city connection.
Tract Home Restrictions
The applicant certifies that:
- the insured never performs work on any housing project or development that includes the construction of fifteen (15) or more single-family homes, whether attached or detached, in any or all phases of the project or development, regardless of the number of developers.
- the insured is not a developer, general contractor, sub-contractor, independent contractor, or any other party involved in the new construction of tract housing.