Many different types of contractors perform various jobs – from roofing to landscaping, carpentry, electrical work, drywalling, plumbing, excavation, and many others. You have general contractors who manage a project as well as staff and specialty contractors who work as subcontractors. Projects vary by size, with some simple jobs and others very complex. Some contractors have employees with a sizeable payroll, while others may have a few workers. With these variations come different liability exposures, requiring a General Liability policy that will address the diverse needs of contractors.
This is where CCIS steps in. Our General Liability policies, all written with top “A” rated insurance companies, are designed specifically for the construction industry and its complete business life cycle – from startups and small firms to larger, more established companies.
General Liability insurance protects contractors financially from damages or medical payments resulting from bodily injury, property damage, or personal/advertising injury to third parties during the policy period due to or related to the contractor's work. Coverage is frequently required by a contractor’s customer (commercial, residential, or general contractor if working as a subcontractor) to assure the financial ability to pay in the event of a claim.
STANDARD Contractors General Liability
Available nationwide (including in the five boroughs in New York City), the STANDARD Contractors General Liability policy provides affordable and flexible a la carte coverage with limits as low as $100,000. The policy is ideal for smaller contractors who don’t need ISO-based coverage and is also available to new ventures and contractors whose policies have lapsed.
If and when more coverage is required, contractors can purchase our PLUS, ADVANTAGE, or PREMIER (if available in that state) policies.
PLUS Contractors General Liability
The PLUS Contractors General Liability policy is available nationwide, excluding the five boroughs in New York City. You get broad, competitive coverage with limits up to $1 million/$2 million/$2 million/$1 million. More than 50 contractor classes of business are covered with PLUS.
ADVANTAGE Contractors General Liability
Our ADVANTAGE Contractors General Liability program is available to more than 35 eligible classes throughout the country, including general contractors, carpenters, electricians, landscapers, plumbers, roofers, and many more. Limits of $1 million/$2 million/$2 million/$1 million are available. The broad policy form is ideal for contractors requiring more limits and ISO-based coverage. The Insurance Services Office (ISO) develops widely recognized policy forms that provide consistency across insurers. Requiring an ISO-based GL policy ensures that contractors maintain coverage with commonly understood definitions, exclusions, and conditions.
The policy also includes Additional Insured and Residential Completed Ops coverage.
PREMIER Contractors General Liability
The PREMIER Contractors General Liability program is available in several states, including California, and is written on an ISO-based form. It provides broad coverage with flexible deductibles of $1,000 to $50,000. Competitively priced with high limits available, PREMIER is suited for contractors with greater liability exposures.
CCIS provides contractors with a General Liability policy that fits their needs. We will provide a Certificate of Insurance upon purchase of the policy to be used as proof of insurance for a project.
NOTE: The insuring agreement in a policy sets out the covered perils, assumed risks, and nature of coverage that the insurance company provides to its insured in exchange for the premiums paid. Thus, the terms and conditions of the policy will dictate whether coverage exists and the nature of any potential benefits.