Contractors General Liability Program

Product Highlights

  • A.M. Best ‘A+’ rating
  • Limits up to $2,000,000 per occurrence / $4,000,000 general aggregate
  • Available in all States, except: FL, AK, DE, HI, DC and CO.
  • Premiums up to $50,000
  • Risks with gaps in coverage are considered
  • Primary and Non-contributory Wording
  • Blanket Waiver of Subrogation
  • Blanket Additional Insured

Artisan Contractors

  • $500 minimum premium (some classes and states may have higher minimums)
  • Commercial and residential work
  • Small to medium-sized contractors
  • New Construction (No new residential construction in CA)
  • New Ventures eligible with prior experience


No files Attached

General Contractors

  • $1,500 minimum premium ($1,250 minimum premium with the application of form M263 Contractual Liability Limitation)
  • Up to $3 million in sub-contracted cost
  • All contractors using sub-contractors shall secure a written indemnification agreement and a certificate of insurance naming them as additional insured from each subcontractor.
  • Subcontractors must be adequately insured - carrying GL limits equal to or greater than the named insured primary limits.

Ineligible Risks

  • Any work on structures greater than three stories.
  • 10 unit limitation per development of Condo, Co-op, Townhouse, or Tract home construction.
  • Any Operations with work on or for airports, railroads, underground tanks, EIFS or any type of traffic signage or control.
  • Any Installation or Repair of Playground Equipment is prohibited.
  • Risks in Receivership or Bankruptcy are prohibited.
  • Any Operation that involves the Elevation of a Home or Commercial Building is prohibited.
  • Any exposures involving Commercial Boring and Shoring Operations are prohibited.
  • Any work with oil and gas related operations.

Submission Requirements

  • Fully Completed and Signed ACORD Applications
  • 3 years of Hard Copy Currently Valued Prior Carrier Loss information
  • Applicable Supplemental Application