Closeup of carpenter cutting wood with electric sawWe live in a litigious world. That’s why we offer a Construction General Liability insurance program for general and trade/artisan contractors. The coverage, designed for work on both residential and commercial projects, is an important way for smaller contracting businesses to protect themselves. Operating without adequate insurance coverage is risky given the large number of things that can go wrong on any type of construction site.

At C&S Specialty Underwriters, we have coverage options for commercial and residential General Contractors; Solar Contractors; Electrical Contractors; Plumbing Contractors; HVAC Contractors; Door & Window Contractors; Driveway, Parking Area and Sidewalk Contractors; Masonry Contractors; those working in Concrete Construction and a number of others. We have minimum premiums beginning at $2,000 and deductibles as low as $1,000.

Coverage enhancements:

• ISO Commercial General Liability (CGL) base form

• Punitive damages when insurable by law

• Defense costs in addition to limits

• Blanket additional insureds

• Blanket Primary/non-contributory and waiver of subrogation

• Per project aggregate limits available

• Non-owned Disposal Site coverage

• Transportation Pollution Liability coverage

Our Construction General Liability coverage is available in all U.S. states except New York, Colorado, and Nevada. Contractor’s pollution coverage is available on an occurrence or claims made basis. As part of our standard coverage package, we offer blanket (where required by written contract) additional insured, primary/non-contributory and waiver of subrogation endorsements. Primary limits up to $2 million per occurrence and $2 million aggregate are available on “A” XV AmBest Rated carrier.

The team at C&S has a strong underwriting background and incredible commitment to providing the highest level of customer service. If you represent a carrier looking for a program manager with specialized underwriting expertise or a wholesale broker looking for an underwriting company that delivers an unparalleled customer experience, we can help. Give us a call today to learn more about us and our coverage options: (404) 227-3535.