Commercial Contractors

AmTrust E&S provides primary general liability contracts on a Practice Policy or Project Specific basis for a wide array of smaller to mid-sized artisan, specialty trade and commercial general contractors engaged in the construction of new commercial buildings and the maintenance, service, repair or remodeling of existing commercial structures.

Preferred risks include well-managed companies with quality control standards, strong contracts and a low frequency of claims history generating annual revenues of $10 million or less for artisan contractors and $25 million or less for general contractors.

Available Coverage & Highlights

  • ISO CG 0001 12 07 Occurrence Coverage Form
  • General Liability & Completed Operations
  • Owner’s contractor’s protective liability/owner’s interest general liability
  • Policy limits available: $1 million per occerance/$2 million general aggregate/$2 million products aggregate
  • Per project aggregate endorsements - aggregate caps of $3 million, $5 million and $10 million
  • Employee benefits liability & Stop gap liability
  • Primary & non-contributory wording
  • Individual/blanket additional insured and waivers of subrogation
  • Customized coverage enhancements for contractors

Targeted Classifications

Our appetite is broad and the following are just some of the classes of business written that reflect our appetite for business.

  • Artisan contractors – commercial & industrial
  • General contractors – commercial & industrial
  • Restoration & remodel contractors
  • Boiler installation & repair
  • Concrete construction
  • Demolition, excavation & grading
  • HVAC contractors
  • Electrical & plumbing
  • Masonry & tile
  • Metal erection – structural & non-structural
  • Millwright Power line & conduit
  • Roofing
  • Railroad contractors
  • Sprinkler installation
  • Sewer & water
  • Utility contractors

Attachment Points & Premium Thresholds

  • Deductibles: $2,500 to $25,000
  • Flexible minimum premiums by class of business, generally starting at  $15,000

Submission Guidelines

  • ACORD Commercial Insurance Application and General Liability Application including complete description of operations for each entity, classifications, and appropriate exposure estimates.
  • AmTrust E&S Contractors Supplemental Application, or equivalent
  • Minimum of five years of historical losses and loss summary
  • Minimum of five years of historical exposure data
  • Website information
  • Financials statements as appropriate