Engineer with thumb up on building siteWe at C&S Specialty Underwriters understand that contractors need the right insurance coverage at the right time. When they have questions, they need answers. They also want to work with an insurance company they can trust. In order to service this important industry, we provide a diversified portfolio of specialty insurance products to selected agents, brokers, and carriers. We protect our carrier partners by following sound underwriting and operating practices.

With over a century in the specialty insurance sector, C&S is proud to bring together a highly skilled and disciplined underwriting team who always put their broker partners first. Our invitation-only policy ensures that only brokers with experience and expertise in the risks we cover are placed alongside us. Not only have we established ourselves as experts in the field, but our focus has been, and remains to be, on the satisfaction of those we work with.

We are able to provide quotes to our broker partners within 24 hours, create binders, issue policies, and process endorsements seamlessly. We are fast and efficient while providing transparency and visibility of our process to our carrier partners, ensuring that we maintain both our underwriting integrity and their trust.

A Construction General Liability package policy from C&S is available to general and tradesmen contractors (both residential and commercial). Contractor’s pollution coverage is available on an occurrence basis or claim-made basis. Among our standard coverage packages are blanket additional insureds, primary/non-contributory, and waiver of subrogation endorsements (as required by the written contract).

Furthermore, we offer an Environmental Package policy, which includes 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.

We specialize in serving small to medium-sized accounts with revenues under $25 million. These accounts are not adequately served by mainstream surplus lines insurers because of their small premiums. We pride ourselves on serving these accounts.

  • Response time and turnaround are quick.
  • In all market cycles, stable, quality insurance coverage is available at competitive rates.
  • Brokers have 24/7 virtual access to an underwriter.
  • To help meet their contractual obligations, they have flexible coverage options for even the smallest risks.

If you have questions, let us know. We’d love to talk. Learn more about us and the specialty insurance products we offer on our website: