General Liability

General Liability

Coverage Details

  • Coverage Form: ISO CG 00 01 12 07
  • Blanket AI Forms: CG 20 10 / CG 20 37 – 07 04 editions. Other editions may be available.
  • Per Project Aggregate capped at $5M max depending on program
  • Subcontracted costs as percent of receipts up to 50% for all artisan trades, except Commercial Tenant Improvement and Betterment (TIB) & Custom Home Builders can have 70%.
  • Custom Home Builders up to 15 starts per term.
  • No Condo, Townhome or Tract work except repair/remodel work for individual unit owner
  • New Ventures accepted
  • Territories: All states except AK, HI, IA, NH, NY, RI, & WV.
    • CO – no new residential except custom home builders.
  • No offsite WRAP AIs available

Coverage Enhancements & Sub-limits

@ $25K/$50K/$100K (per occ & agg)

  • Contractor’s Site Pollution
  • Pesticide/Herbicide Applicator Coverage
  • Landscape & Arborists Physical Damage
  • Special Property Coverage (CCC)
  • Swimming Pool Pop-Up

@ Policy Limit

  • Employee Benefits Liability (EBL)
  • Stop Gap
  • Subsidence Sub-Limits up to $1M for certain classes

Sample of Our Most Competitive Classes:

  • Roofers (residential & commercial)
  • Remodelers (residential & commercial)
  • Custom home builders
  • Plumbing/HVAC
  • Electrical
  • Concrete
  • Landscaping/lawn work
  • Underground utility contractors
  • Swimming pool contractors
  • Foundation Repair, Shoring, Underpinning, Pile Driving
  • Glass & Glazing
  • HVAC Including Sheet Metal, Refrigeration
  • Lawn Service/Landscaping