Empire State Brokerage Services LLC offers a robust Contractor's General Liability Insurance program designed for agents and brokers seeking reliable markets for construction-related accounts. As an experienced excess and surplus lines broker, Empire State Brokerage provides access to over 10 reputable insurance carriers with broad underwriting appetites for both general and trade contractors. Whether your client is a small residential remodeler or a large-scale commercial builder, this program offers flexible solutions tailored to their risk profile.
Ideal Accounts and Appetite
This program is ideal for licensed contractors operating in commercial or residential construction. It accommodates a wide range of contractor classes, including high-risk operations such as roofing and asbestos abatement. Underwriters are open to new ventures, smaller artisan contractors, and large-scale operations with complex exposures. Eligible accounts include:
- General Contractors overseeing new construction or renovation projects
- Trade Contractors such as electricians, plumbers, and HVAC installers
- Specialty trades including demolition, excavation, and environmental remediation
- Project-specific placements and per-project coverage needs
This program can also handle tough-to-place risks, so if you're struggling to find coverage for a high-hazard contractor, this market may be a fit.
Coverage Highlights and Advantages
- Primary General Liability coverage with limits up to $1 million per occurrence / $2 million aggregate
- Products and Completed Operations coverage included
- Occurrence and Claims-Made forms available
- No deductible, small deductible, high deductible, and Self-Insured Retention (SIR) options
- Umbrella and Excess Liability options available
- Optional coverages include Owners and Contractors Protective Liability (OCP) and Railroad Protective Liability (RPL)
Minimum premiums start at $500 for small accounts, with scalable pricing based on the size and complexity of the risk.
Underwriting Notes and Minimum Premiums
Empire State Brokerage works with carriers who are comfortable underwriting a wide range of contractor operations, from low-hazard artisan work to high-risk specialties. New ventures are welcome, and underwriters will review accounts of all sizes—there is no minimum revenue requirement. Minimum premiums vary based on the nature of the work, but start as low as $500 for smaller, lower-risk contractors.
Territories and Availability
This program is available in the following states: Connecticut, Florida, Georgia, Indiana, Massachusetts, New Jersey, New York, Pennsylvania, and Rhode Island. Most policies are written on a non-admitted basis, giving underwriters greater flexibility in tailoring terms to unique contractor exposures.
Why Work With Empire State Brokerage Services LLC?
As a trusted partner to independent agents and brokers, Empire State Brokerage Services LLC delivers competitive solutions across a wide variety of contractor classes. Their access to top-tier carriers—including Arch, Lexington, Scottsdale, Guard, and more—enables them to respond quickly with quotes for even the most complex accounts. Their underwriting team understands the nuances of construction liability and is ready to help you place challenging or high-exposure accounts with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is suitable for general contractors, trade contractors, and specialty construction operations, including high-risk activities like roofing and asbestos removal.
Can I submit new ventures or start-up contractors?
Yes, the program welcomes new ventures and start-ups, including those seeking per-project coverage or flexible deductible structures.
What is the minimum premium for this program?
Minimum premiums start at $500 for small accounts, with pricing adjusted based on the risk profile and size of the contractor.
Are occurrence and claims-made policies both available?
Yes, both occurrence and claims-made policy forms are available depending on the needs of the insured and the underwriting review.
In which states is this program available?
The program is available in CT, FL, GA, IN, MA, NJ, NY, PA, and RI.
Need help placing an account? Connect with a market specialist.