Contractor General Liability Program

Contractors Guard is designed specifically for contractors with a focus on fast terms and exceptional claims service. This program can also provide unique endorsements and removal of standard limitations specific to trade contractors.

All accounts are subject to underwriter review and program terms and conditions. 

PROGRAM HIGHLIGHTS
  •  1/2/2 standard limits
  • A-VIII Excellent A.M. Best rating
  • Available in all 50 states
  • $500 minimum premium
  • ISO forms utilized
  • New ventures 
  • Multi-state risks
  • Accepting residential and commercial operations
  • Gaps or lapsed coverages are acceptable

POTENTIAL ENHANCEMENTS

  • Blanket coverage forms automatically included 
  • Coverage for subcontractor work performed on your behalf
  • Blanket AI at no cost
  • Expansion of tract home limitation
  • Subcontractor compliance monitoring available
  • Removal of subsidence exclusion
  • Warranty review and recommendations
  • Expansion of condo / townhome work limitation
  • Removal of height limitation
CORE TARGET CLASSES
More than 40 construction classes are currently written with the list of acceptable classifications continually growing. The list includes, but is not limited to:
  • Alarms
  • Carpentry – Framers / Interior / Shop Only
  • Concrete Work
  • Debris Removal
  • Doors and Windows
  • Drywall / Plastering
  • Electrical
  • Fencing
  • Fire Extinguishers
  • Flooring
  • Garbage Collection
  • General Contractors (incl. Home Builders)
  • Grading of Land
  • Handyman
  • HVAC
  • Insulation Work
  • Janitors 
  • Landscaping / Lawncare 
  • Masonry
  • Painting
  • Paperhanging 
  • Plumbers
  • Remodelers (potential extended classifications)
  • Roofers
  • Siding
  • Street Cleaning 
  • Tree Pruning

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Fun Fact: There are 10 million bricks in the Empire State Building and its design inspiration was a pencil.https://www.esbnyc.com/about/facts-figures