Claims Made Small Contractor Program

  • Very competitive small contractor General Liability program
  • A+ XV Rated Program
  • Program Limitations: 5 field employees max (employees are W2 or Partners)
  • $150,000 maximum annual payroll, excluding the owners payroll
  • 50% maximum subcontracting cost for non-general contractor classes
  • $500k in gross receipts maximum. If you expect to exceed $500,000 in gross receipts, we have other programs available.
  • Sub-Contractors must carry equal limits to yours, name you as additional insured on their policy and sign hold harmless agreement with you or your company.
  • Uninsured Subs not acceptable. Employee(s) must be W2. If you pay by 1099, they are treated as sub contractors.
  • Minimum of 3 years’ experience required. If you have less than three years experience, we have other programs available. 
  • Condos and tract work acceptable
  • No general contractors performing new ground up  construction
  • New ventures accepted
  • Blanket Additional Insured endorsement included if by contract (no cost for adding basic additional insured’s to your policy if you are required by contract to do so)
  • Zero Loss History
NOTE:  Claims made polices may not be acceptable to your general contractor. Therefore, it is very important to let us know of any insurance requirements you may have or anticipate having.  It is important that you fully understand the difference between the Claims Made and Occurrence form policy that are available to you.

It is not advisable to move to or from an occurrence form policy from a claims made policy without being fully aware of the consequences.

Click here for a very good article explaining the differences of Claims Made vs Occurrence Form policies

Acceptable Classes of Business

  • Air Conditioning Systems Installation
  • Appliance and Accessories Installation
  • Carpentry (Interior/Woodwork/Shop) - No Framing
  • Concrete (Flat Work Only) - No Foundations
  • Debris Removal
  • Door & Window Installation
  • Drywall
  • Fencing
  • Floor Covering Installation
  • Garage Door Installation
  • Swimming Pool Cleaning
  • Glass Installation/Glazing
  • HVAC
  • Janitorial (No Floor Waxing)
  • Landscape
  • Handyman
  • Masonry
  • Painting Interior/Exterior
  • Sheet Metal
  • Siding and Decking
  • Tile and Marble Installation

Additional Coverage Options / Endorsements Available

  • Blanket Per Project Aggregate
  • Blanket Comp Ops– Commercial Work  Only  / CG2037 Equivalent
  • Blanket Your Work – 1185 Equivalent (Commercial Work Only)
  • Blanket Waiver of Subrogation
  • Blanket Primary/Non-Contributory Wording
  • Buildings and Structures Exceeding 3 Stories (Exterior)
  • Schools & Recreation Facilities
  • Heating Devices
  • Hospital Work