General Liability & GL Excess
Construction
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Small Commercial Package
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(Option SPT)
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(Option OB)
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Alaska & Hawaii
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Construction Contractors
Large Risks
Maritime Employers' Liability (MEL)
Middle-Market Workers’ Compensation
US Longshore and Harbor Workers' Act (USL&H)
Small Employers (US)
Small Employers (Northwest)
Third Party Administration
 


 

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Commercial General Liability & Excess Liability: Construction

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CONTACT:
Steve Ritchie
steve.ritchie@pointsure.com
206-269-8617
 
DESCRIPTION
General Liability and Excess Liability for commercial and residential contractors. Note: Available only with accompanying workers’ compensation coverage.
TERRITORY
Surplus lines markets available in AL, AK, CA, LA, MS, TX and WA. Admitted markets also available
COVERAGE
 

Commercial General Liability and Excess Liability

$25,000 minimum premium
$5,000 minimum deductible
CGL limits $1/2/2 million.
Excess liability limits available up to $20 million.
Deductible and Self-Insured Retention plans available
AM BEST RATING
Various “A” rated carriers*
TARGET CLASSES
 
• Asphalt • HVAC
• Carpentry • Insulation
• Commercial General • Masonry/Drywall
• Concrete • Millwrights
• Crane Rental • Painters
• Demo/Wrecking • Plastering
• Electrical • Plumbers
• Excavation/UndergroundUtility • Remodelers/ Tenant Improvements
• Framing • Roofers
• Grading • Street and Road
  SUBMISSION REQUIREMENTS
  • 5 year payroll history – payroll history by classification is preferred
• 5 year revenue history
• 5 year currently valued carrier issued loss runs (valued within 120 days of requested effective date)
• 5 year loss summary including description of all incidents
• Current financials (income statement, balance sheet and comments) – audited financials are preferred
• Completed Acord applications
• Completed carrier-specific supplemental applications
• Current carrier premium and deductible
• Copy of subcontractor agreement
  APPLICATIONS
  Standard Acord applications accepted - supplemental program applications are required.
*A.M. Best ratings range from "A++" (Superior) to "F" (In Liquidation), and ratings from "A++" to "B+" are considered "Secure"