Artisan Contractors & Pollution Liability

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Crafted liability solutions for artisan contractors

Our artisan contractors and pollution liability program is designed to protect businesses from the unique risks faced by artisan contractors, offering comprehensive coverage customized for a wide range of trades.

Featuring combined ISO-based coverage and contractors pollution liability for over 130 artisan contractor codes, our program ensures your clients are properly protected against their specific risks. With a focus on both general and pollution liability, our specialists are dedicated to delivering the essential coverage needed for non-environmental contractors and facilities.

Key features

  • Non-admitted, nationwide program (excluding New York and Missouri)
  • "A- IX" A.M. Best rated carrier
  • CGL and CPL package (including TPL and NODS) for over 130 ISO classes for contractors with $25m or less in annual receipts
  • Limits $6m per occurence/$7m aggregate
  • Umbrella (following form excess) supported up to $5m limit
  • Excess over package, auto, liability, employers liability
  • Minimum premium $3,500 for CGL/CPL package/$2,500 for $1m supported excess 
  • Minimum deductible: primary $2,500

A- IX

A.M. best rated carrier

Coverages available

Coverages available include:

  • Commercial general liability (occurrence or claims made)
  • Contractors pollution liability (occurrence or claims made)
  • Umbrella supported (following form excess) up to $5m limit
  • Excess over CGL/CPL package, AL and EL

Coverage enhancements include:

  • Transportation pollution liability
  • Non-owned disposal sites
  • Contractors professional liability (claims made)
  • Site pollution liability (claims made)
Three construction workers reviewing building plans

Target classes

Drywall

Metal erection

HVAC

Carpentry

Electrical

Concrete

Submission requirements

  • Acord application
  • DUAL supplemental
  • 3 to 5 years currently valued loss runs
  • Statement of qualification for key personnel including resumes, past project experience, training information and required certifications or licensing

Document downloads

Product resources

Contact the expert

Photo of Jack Abney

Jack Abney

President, Environmental Liability

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