Residential Contractors

AmTrust E&S offers customized primary general liability programs for a wide array of small to mid-sized residential artisan, specialty trade and general contractors. Coverage is offered on a Practice or Project Specific basis for contractors engaged in the construction of new buildings and the maintenance, service, repair or remodeling of existing residential structures.

Preferred risks include well-managed companies with quality control standards, strong contracts, a low frequency claims history generating annual revenues of $10 million or less. We are not a market for new multi-family construction including condominiums, townhouses, row houses or new tract home construction.

Available Coverage & Highlights

  • ISO CG 0001 12 07 Occurrence Coverage Form
  • General liability & completed operations 
  • Owners contractor’s protective liability/owner’s interest general liability
  • Policy limits: $1 million per occurrence/$2 million general aggregate/$2 million product aggregate
  • Per project aggregate endorsements (aggregate caps of $3 million, $5 million and $10 million)
  • Employee benefits liability  &  Stop gap liability
  • Primary & noncontributory wording
  • Individual/blanket additional insured and waivers of subrogation

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
  • General contractors doing additions, remodeling, repair or service
  • Carpentry
  • Concrete construction
  • Demolition
  • Drywall & plastering
  • Custom homebuilders – doing up to 10 new, ground up units annually
  • Electrical, plumbing & HVAC
  • Excavation, grading & site preparation 
  • Irrigation & drainage systems
  • Insulation contractors
  • Kitchen & bath remodelers
  • Landscapers
  • Masonry & tile contractors
  • Roofing
  • Swimming pool contractors
  • Swimming pool maintenance
  • Sprinkler installation

Attachment Points & Premium Thresholds

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

Submission Guidelines

  • Cover note stating general description of operations, current and desired program, current carrier and target premium
  • 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 receipts & payroll exposures
  • Website information
  • Financials statements as appropriate