aerial top view of yellow industrial heavy machines moving grounContractors of all sizes face a wide variety of liability risks. That’s why we offer a Construction General Liability package policy designed for general and trade/artisan contractors. CGL coverage can help make sure that your company can financially handle a legal claim stemming from a mistake or accident that causes bodily injury or property damage. Third-party claims and lawsuits can happen anytime and can devastate a small contracting business that has no coverage or too little coverage.

Legal expenses can add up for any business, especially a small one. Even if your business is found to be not at fault, the defense costs associated with just one third-party legal claim can threaten the company you’ve worked so hard to build. And if you are found liable, any damages to the injured or affected party can be much more than your company can handle. The right type and amount of CGL coverage is a must.

At C&S Specialty Underwriters, we provide coverage to general and trade/artisan contractors (commercial and residential) with revenues generally under $10 million in the following classes:

• HVAC Contractors

• Concrete Construction (at work, driveways 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 (for buildings with less than 2 stories)

• Masonry Contractors (at work, drive ways and patios)

• General Contractors – Residential Custom Home Builders (that produce less than 5 homes per year)

• General Contractors – Commercial

• Painting Contractors

• Tile, Stone, Marble, Mosaic or Terrazzo Work – interior construction

• Landscaping including lawn treatment

• Interior Carpentry

• Solar Contractors

• Metal Erection – nonstructural

• Residential and Commercial Artisan and General Contractors performing repair/remodel/addition work.

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. Policy limits up to $2 million per occurrence/$2 million aggregate are available on “A” XV AmBest Rated carrier. Premiums begin at $2,000, with deductibles as low as $1,000.

We also offer an Environmental Package policy, which provides Commercial General Liability and Contractor’s Pollution Liability for environmental contractors, Commercial General Liability and Professional Liability for environmental consultants, and monoline Contractor’s Pollution Liability for non-environmental contractors.

Questions about our coverage? We have answers! Give us a call at (404) 227-3535.