United Specialty Insurance Co. Contractor’s GL Program Highlights

The United Specialty Insurance Co. Contractor’s GL Program is designed for those Contractors whose operations are mainly on the Residential side, but have Commercial exposures as well. The preferred appetite is for General Contractors, Restoration Companies, Roofers, Steel Erectors and many other hard to place risks; please reference the USIC Eligible Classes of Business list.

We have partnered with The American Cartage and Contractors Association to negotiate reduced Premiums and Services for the Insured members. For information on the ACCA visit www.accassociation.com. The ACCA Benefits page is a way for you to highlight the value of the association to your agents, so in turn they can help sell it to the Insureds.

Here are some of the Terms, Conditions and coverage that we offer:

  • No Tract Home limitation (Prefer if not 100% of Insured’s operations)
  • GC’s, Artisans and Subs – Prefer a mix of Residential and Commercial exposures
  • No sub out limitation for GC’s
  • $1K minimum premium (most competitive in the $4k - $50k range)
  • Condo/HOA service repair ok
  • New condo/townhome projects can be scheduled – unless a WRAP is available
  • 100% condo/townhome work not accepted
  • Additional Insured-Blanket on-going ops, blanket completed ops
  • Waiver of subrogation, primary non-contributory wording
  • Per project aggregate
  • Employee Benefits Liability
  • Subsidence Amendment Available
  • 2 Year Sunset Clause/Claims Reporting Period applies to Roofers; Other contractors receive the 10 year option
  • Ineligible States: Alaska, Connecticut, Delaware, Iowa, New Hampshire, New Jersey, New York and Rhode Island