Contractor Insurance
The GC needs a certificate before your crew can start. We issue it the same day — and make sure your coverage actually matches what the contract demands.
Same-day certificates ✓ A-rated carriers ✓ Licensed since 1966
Additional insured & waiver endorsed
Limits that meet the contract
Statutory, for every trade
Extra limits when a job needs them
The contract decoder
Every subcontract buries its insurance requirements in a wall of legalese. Drop that paragraph in and see what your program already covers — and what we'll add before you sign.
Your program carries GL at $1M / $2M — meets the required limits.
We endorse the GC and Owner onto your policy and show it on the certificate.
Added by endorsement so your coverage responds first, as the contract requires.
Waiver in favor of the GC endorsed onto GL (and workers comp where required).
Business Auto at $1M CSL already in force — meets requirement.
No umbrella currently in force — we'll quote a $5,000,000 layer to satisfy this.
Statutory WC with Employers Liability in force — confirms on the certificate.
We issue the ACORD 25 with the required cancellation-notice language before work starts.
Every trade carries a different risk — rooftop falls, blown mains, energized panels, equipment left on an open site. We quote to the trade, not a generic “contractor” box.
HVAC / A/C
Plumbing
Electrical
Roofing
General Contractors
Landscaping
Painting
Masonry & Concrete
Send the holder and the requirements. Most COIs go back the same business day — additional insured, waiver, and primary & non-contributory endorsed as the contract calls for.
Before a job stalls at “insufficient limits,” we check your program against what the GC requires — and close the gap with the right endorsement, not a whole new policy.
One relationship with people who know your book — certs, mid-season adds, and the odd 5 p.m. question — not a call-center queue.
Send us the contract or just the requirements. We'll tell you today whether you're covered — and have the certificate ready when you win it.