Artisan Contractors General Liability
General liability coverage tailored for specialty trade contractors — electricians, plumbers, HVAC, painters, and other artisan trades.
Who Needs This?
Electricians, plumbers, HVAC technicians, painters, carpenters, and other specialty trades.
General Contractors General Liability
Comprehensive general liability for general contractors managing construction projects, including subcontractor liability and completed operations coverage.
Who Needs This?
General contractors, construction managers, and project developers.
Contractors Pollution Liability
Covers pollution incidents arising from contracting operations, including fuel spills, asbestos disturbance, and mold remediation.
Who Needs This?
Environmental contractors, demolition firms, HVAC contractors, and any contractor disturbing hazardous materials.
Environmental / Pollution Liability
Broad pollution liability coverage for businesses with environmental exposures, including site pollution, products pollution, and professional services.
Who Needs This?
Industrial facilities, real estate developers, and businesses with environmental exposures.
Subcontractor Default Insurance
Protects general contractors from financial losses when a subcontractor defaults on their contract obligations, as an alternative to subcontractor performance bonds.
Who Needs This?
Large general contractors and construction managers with significant subcontractor exposure.
Wrap Policies (OCIP / CCIP)
Owner-controlled and contractor-controlled insurance programs providing consolidated coverage for all parties on a construction project.
Who Needs This?
Large construction projects, real estate developers, and contractors on major projects.
Railroad Protective Liability
Required liability coverage for contractors performing work near railroad tracks, protecting the railroad from claims arising from contractor operations.
Who Needs This?
Contractors working near railroad tracks, crossings, or railroad property.