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General Liability

The Contractors General Liability Program focuses on the small general contractor and artisan performing either commercial or residential work.

Premium Highlights

  • Rated “A” (Excellent) by A.M. Best
  • New Ventures or No Prior Insurance Eligible
  • Work Completed by Subcontractors is Covered
  • Included:
    • Blanket Additional Insured
    • Primary & Non-Contributory Wording
    • Waiver of Subrogation
  • CG 20 37 for Completed Ops Available Per Underwriter Approval

Eligible Operations

  • GCs with Annual Receipts Under $15M and Project Values Under $3M
  • Artisans with 15 or Fewer Employees
  • No Limitation on Work Subcontracted Out to Others
  • New Construction and Remodeling Are Eligible
  • New Residential Construction Eligible- Both for GCs and Artisans
  • Uninsured Subcontractors - Options Available

Ineligible Exposures

  • Exterior Work Over 3 Stories
  • Smoke, Fire or Water Restoration
  • Industrial Construction
  • Infastructure Risks- Roads, Sewers, Bridges
  • Demolition or Blasting Operations
  • Recreational/Playground/School Construction

Optional Coverages

  • Blanket Additional Insureds
  • Per Project Aggregate
  • Waiver of Subrogation
  • Employee Benefits Liability
  • Blanket Primary/ Non Contributory
  • Subsidence Buy-Back
  • CG 2037 for Commercial Projects


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