Contractors

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About Contractors General Liability

Our Contractors GL Application now offers an INSTANT INDICATION. You can also request Inland Marine coverage for tools and equipment HERE. Don’t forget to provide key information like years of experience and loss runs.

NEXT STEPS: Get quoting HERE. Don’t have a username? Click HERE.

Once you have played around in our system or submitted your first risk, feel free to request agency training for our Access One80 Insurance Underwriting Portal here: Request Training

Client Visits

If you are on your way to visit with a client or on the phone, it’s easier to use THIS HELPFUL CONTRACTORS QUESTIONNAIRE before entering information in the Access One80 Insurance Platform.

For tips on how to submit a WINNING COMMERCIAL LINES APPLICATION, check out our blog.

Sample Risks

  • Builders, Developers

  • General Contractors

  • Roofers

  • Electricians

  • Masonry

  • Framing

  • Plumbing & H.V.A.C

  • Excavation

  • Landscaping

  • Painting, Drywall

  • Artisan Contractors, Restoration

  • Concrete (Non-Foundation)

  • Crane Operators

  • Oil and Gas Contractors (limited availability)

Coverage & Liability Options

  • General Liability

  • Errors & Omissions (limited availability)

  • Completed Operations

  • Premises Liability

  • Contractors’ Equipment

  • Builders’ Risk

  • Owners and Contractors Protective (O.C.P)

  • Wrap-up Insurance

  • Commercial Auto including large fleet

  • Hired & Non-Owned Auto (limited availability)

  • Excess/ Umbrella

  • Installation Floater

  • Rigger’s Insurance

Carriers, Exclusions, & State Availability

Multiple A Rated Carriers and +5 Carrier Partners. Available in 38 states! ** Contractor operations are subject to state availability

Frequently Asked Questions:

Do I need to send acords?

We no longer require Acords to review a general liability submission for contractors. To get an INSTANT INDICATION for Contractors GL, simply log in to our Access One80 Insurance platform and click Contractors GL. If you’re not appointed with us yet, simply fill out THIS short form. However, if you have completed Acords you can also submit them HERE.

Do you accept new ventures?

New ventures are considered. For years in business, state 0 for new ventures. We need to know the experience of the insured as well.

Do you consider lapse in coverage?

Depending on the timeframe, we accept lapse in coverage.

Do you offer Blanket AI?

We have blanket additional insured options.

What other information do you need?

If you have any information about the risk that will help us get you the best rates, please upload it in the attachments. This includes loss runs, copy of sub-contractor agreement, and requested contractual obligations (additional insured, waiver of subrogation, primary/non-contributory). We may request additional information or request that you fill out supplemental applications.

HOW MUCH IS an average policy?

Similar to other lines of insurance, the cost of Contractors GL varies depends on the industry, business type, size of the company, deductible, occurrence limit, aggregate limit, total exposure (Employee + Owner Payroll) and claim history.

HOW SOON CAN I GET a quote?

Our commercial lines underwriters are assigned to submissions within 24 hours. Depending on the nature of the risk, location, etc. and the risk is acceptable, you will get a quote within 2-4 days.

Can I get coverage for tools and Equipment?

We have a separate form for tools and equipment. Fill out this Inland Marine application. Questions? Email our property underwriter Fara Schnurr.

HOW LONG IS A POLICY TERM?

Typically 12 months

What’s the underwriting process like?

Here are the following statuses:

  1. Submitted, Indicated (Note that an indication does not mean the risk has been accepted)

  2. Underwriting, With Carrier

  3. Quoted

  4. Bind Requested

  5. Bound

  6. Policy Issued

Requests for additional information will have a .5 status and the application will be unlocked for you to provide requested information. Please refer to the comments section for a list of any missing information that may be required to offer a quote, bind coverage, or issue a policy.

WHAT ARE MY PAYMENT PLAN OPTIONS?

We have information on our Payments and Financing link. We accept check, ACH, and credit cards.

What acords do you accept?

  • Acords 125 and 126 for General Liability*

  • Acord 130 Workers Compensation

  • Acord 131 Umbrella

  • Acord 140 Property*

  • Acord 146 Equipment

  • Acord 147 Builders Risk

*Note Commercial Package requires Acords 125, 126, and 140. Log on to the portal and click the yellow Acords/Supplementals button for fillable PDF Acords.

NB: Final price may vary based on additional information provided. Premium estimates expire after 30 days. The effective date of your coverage cannot be before receipt of payment.

Appetite questions?

Please use the appetite chat on the bottom right of your screen for any appetite questions.

Note: Not all of our appetites are listed here and the appetites that we can do vary by state and risk exposure. If you cannot find what you are looking for fill out our application form as best as you can, hit submit, and make a comment with any specific questions you may have. Our underwriters will be in touch within one business day. Get quoting HERE.