General liability
Premises and completed operations. The completed operations piece is what a general contractor actually cares about, because it responds after you have left the site.
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Contractors and trades
Contractor insurance in Nashville, written to survive a contract review.
Most contractors do not lose a job over price. They lose it because a certificate came back wrong, or a carrier declined the class after the bid was already in. We place coverage around how the work actually runs and how the contract actually reads.
The problem
Why contractor placements go sideways
Contracting is rated on payroll and receipts, split by the work you actually perform. Most agencies take one number and pick one class. When the audit lands twelve months later and the split was wrong, you get a bill you did not budget for.
The second failure is appetite. Carriers decide contractor business by class of work, not by revenue size. Roofing, excavation over a depth limit, work above a height threshold and anything involving an open flame all move you out of the standard market whether or not you have ever had a claim.
The third is contract language. A general contractor can reject your certificate for wording that has nothing to do with your limits. We read the requirement before you sign, not after the holder bounces it.
Coverage
What we place, and what to read before you rely on it.
Workers compensation
Rated by class code and payroll. Class review before we market it, because miscoded payroll is where contractors overpay most.
Tools, equipment and inland marine
Scheduled or blanket. Covers gear in transit, at a temporary jobsite and in the truck overnight, which commercial property alone does not.
Commercial auto
One truck or a fleet, plus hired and non-owned for the times an employee runs to the supply house in their own vehicle.
Umbrella and excess
Usually the cheapest route to a limit requirement you cannot otherwise satisfy, and often cheaper than raising the underlying limit.
Builders risk
Course of construction, written per project or on a reporting form if you run several at once.
Submission
What an underwriter will ask you
Having these ready is the difference between an indication in two days and a submission that sits for three weeks.
- Percentage of work that is residential versus commercial
- Percentage that is new construction versus service, repair or remodel
- Maximum height you work at, and whether you perform any roofing
- Whether you use subcontractors, and whether you collect certificates from them
- Annual receipts and payroll, split by trade
- Three to five years of loss runs from every prior carrier
Related
Send the declarations page and we will tell you what is actually covered.
No fee to shop your coverage. If the standard market will not write it, we go to surplus lines and explain the difference before you sign anything.
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