General Liability

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

United National

Product Focus

1. Residential and commercial remodeling
2. Residential and commercial general contractors, including paper contractors
3. Artisan contractors
4. Light construction classes
5. Carpentry, floor installation, landscapers, arborists, plumbers, electrical, roofing contractors, and many more

Ineligible Risks

1. No prior experience in the trade/class being insured
2. Fire, water, or mold damage restoration or remediation work
3. Asbestos or lead abatement work
4. New residential tract housework that is involved in more than 25 units per project
5. WRAP, OCIP, or project-specific policies

Coverages Available

1. General liability
2. Cyber liability
3. Employee benefits liability
4. Sublimit subsidence endorsement

Program Highlights

1. Non-admitted coverage provided by a carrier with a group rating of “A” (Excellent) by AM Best
2. In-house quoting and binding authority

Cornerstone

Eligible Classes

1. GCs with annual receipts under $15M and project values under $3M
2. Artisans with 15 or fewer employees
3. Our most successful niche is the GC who subs out the majority of the work, including paper contractors
4. New ventures, new construction and remodelers are all eligible
5. New construction eligible- both for GCs and Artisans

Optional Coverages

1. Blanket Additional Insureds Available
2. Waiver of Subrogation Available
3. Per Project Aggregate Program Highlights
4. GC Minimum Premium: $1,500
5. Limits up to $1M/$2M
6. New Residential up to 25 Single Family Homes per Development
7. Artisan Minimum Premium: $750
8. No Limitation on Work Subcontracted Out
9. New Ventures/Gaps in Coverage Considered
10. Blanket Primary/Non Contributory Available
11. CG 2037 Available for Commercial Projects
12. Subsidence Buy-Back

Submission Requirements

1. ACORD application

Canopy

Classes of Business

1. Commercial and Residential General Contractors Performing New and Repair/Remodel Operations
2. Custom Home Builders
3. Artisan Contractors, Subcontractors, and Trade Contractors

Coverages

1. Blanket Coverages Available: CG 2010, CG2028, CG 2037, CG 2039, Waiver of Subrogation PNC Wording, and Per Project Aggregate $5M Limit
2. Roofing Operations Minimum Premium: $10,000 and can consider risks with incidental Hot Tar/Torch with Proper Certification
3. Specific AI endorsements upon approval

Ineligible Risks

1. Projects involving the naming of a large tract developer or General Contractor for projects involved in the new development of more than 25 condominiums, townhomes, or single-family dwelling units in a single development as an additional insured
2. Project Wrap-up, Owner-Controlled, or Project Specific Policy's
3. Any external work on structures greater than 60 feet
4. Artisan contractors subcontracting more than 50% of operations

Program Highlights

1. Carrier A.M. Best Rating: "A" X
2. Limit: $1M per Occurrence/$2M Aggregate
3. Minimum Premium: $7,500
4. Minimum Deductible: $2,000

States Available

California