Contractors general liability
built for speed and flexibility

Yes. New venture contractors are considered. Include the owner's years of experience in the trade, estimated annual receipts and payroll, and expected subcontractor usage so underwriting can rate the account accurately.

More than 50 trade classes, including plumbing, electrical, HVAC, concrete, roofing, interior and NOC carpentry, swimming pool installation, tree trimming, landscaping, and handyman operations. If a trade isn't listed, submit it — near-miss classes are reviewed individually.

Yes. Roofing is a target class in the program. Include the residential/commercial mix, the types of roofing performed, and subcontractor usage in the submission.

Yes. The program handles artisan trades through larger general contractors. GCs with more than $2M in annual revenue are routed to the Construction Division, which offers ISO occurrence and claims-made forms, per-project or per-location aggregates, and deductible options from $0 to $25,000.

Limits up to a $2,000,000 general aggregate plus a products-completed operations aggregate. When a contract requires higher limits, excess liability can be placed through Greenwood General's broader wholesale markets.

Coverage is written on ISO-based forms. The Construction Division offers both ISO occurrence and claims-made options depending on the risk and structure, and CG 2037 (additional insured — completed operations) is supported for residential remodeling and commercial work.

Yes. Blanket additional insured is available, along with primary and non-contributory wording and waiver of subrogation — the endorsements most GC and owner contracts require. That makes certificate issuance faster for jobsite requirements.

Yes. Residential remodeling and renovation contractors are within appetite, with CG 2037 form support for residential remodeling and commercial work — important where completed-operations additional insured status is required by contract.

The policy addresses the insured contractor's liability arising out of work performed by subcontractors. Underwriting expects certificates of insurance to be collected from subs, and subcontractor costs are part of the rating basis — disclose the percentage of work subbed out and your insured's certificate practices.

Provide annual gross receipts and payroll broken out by trade class, plus subcontractor costs. Accurate exposure splits keep the quote firm and avoid re-rating at audit.

Currently valued loss runs — typically three to five years — along with prior carrier information. New ventures without loss history can be considered with a trade-experience narrative instead.

Often, yes. Accounts with prior losses are reviewed case-by-case. Include a short narrative on each claim — what happened, what was paid, and what changed — so underwriting has context rather than just a number.

The contractors GL program is available in 47 states. It is not currently available in Florida, Georgia, or New York — use the "View state eligibility" button above for the current list.

Eligible classes can be rated instantly through the online self-rater, and binders can be issued same-day. Tougher files and larger accounts are reviewed by underwriting with quick, broker-first follow-up.

An occurrence form covers injury or damage that happens during the policy period, regardless of when the claim is reported. A claims-made form covers claims first made during the policy period, subject to a retroactive date. Both structures are available through the Construction Division — underwriting will recommend the fit for the account.

No. Retail agents and brokers can submit contractor GL risks through the online risk submission portal without an appointment. Send the account first, and complete the appointment if you decide to move forward.