Construction General Liability Policy

We offer the 2013 edition of the ISO Commercial General Liability (CGL) policy to general and trade/artisan contractors (both commercial and residential). Coverage enhancements including contractor’s pollution, transportation, and employee benefits liability coverage may be added via endorsement to the CGL policy. Contractor’s pollution coverage is available on an occurrence or claims made basis. We also offer as part of our standard coverage package blanket (where required by written contract) additional insured, primary/non-contributory and waiver of subrogation. Primary limits up to $2 million per occurrence and $2 million aggregate are available, with minimum premiums beginning at $2,000 and deductibles as low as $1,000. Coverage is available in all states except New York, Colorado and Nevada.

Target Risks:

General and trade/artisan contractors (commercial and residential) with revenues generally under $10 million in the following classes:

• HVAC Contractors
• Concrete Construction (flat work, drive ways and patios)
• Door & Window Contractors performing installation work solely for repair, remodel, and additions
• Driveway, Parking Area or Sidewalk contractor
• Floor Covering Installation
• Electrical Contractors
• Plumbing Contractors (less than 2 stories)
• Masonry Contractors (flat work, drive ways and patios)
• General Contractors – Residential Custom Home Builders (less than 5 homes per year)
• General Contractors – Commercial
• Painting Contractors
• Tile, Stone, Marble, Mosaic or Terrazzo Work – interior construction
• Cable Installation
• Landscaping including lawn treatment
• Interior Carpentry
• Solar Contractors
• Metal Erection – nonstructural
• Residential and Commercial Artisan and General Contractors performing repair/remodel/addition work.

Submission Requirements:

• Completed and signed ACORD and Contractor’s Supplemental applications
• Standard contracts with subcontractors
• Statement of Qualifications/Company Brochure
• Past Project History
• Five years of currently valued loss history (7-10 years for residential risks)
• Resumes of key personnel
• Training certificates for all employees applicable to services provided