Contractors Program

Insurance Innovators Group is your provider for Small, Medium and Large Contractors. We have the capabilities of writing every class of artisan contractors either online through FIRE, within our binding authority or through brokerage markets.

For Small and Medium size contractors the following additional coverage options are available:

  • Completed operations coverage available
  • Blanket Additional Insureds available (not available online)
  • Inland Marine Coverage available (not available online)
  • Online quoting available for select classes
  • 24 hour turn around on most classes with completed application
  • Easy renewal process
  • Up to 50% subcontractors use ok on most classes
  • New entities are acceptable
Class Examples:
  • Appliance Install
  • Carpentry- Inerior
  • Carpentry-Res
  • Carpentry- NOC
  • Drywall
  • Electrical
  • Excavating
  • Floor Covering
  • Handyman
  • Heating and AC
  • Janitorial
  • Land Grading
  • Landscaping
  • Masonry
  • Painting Interior
  • Paper Hanger
  • Plumbing
  • Roofing
  • Remodeling
  • Tree Pruning
  • Septic Install and Cleaning
  • Siding
  • Snow removal

Large Contractors

100% paper contractors

Mini wrap where the GC and Owner are two separate unrelated companies and covered on one policy
  • The cost savings can be large especially on residential condo developments.
  • These are job specific and included extended opperations.
High Excess Liability Limits available (recently $100 million Combined Primary GL and excess limit was placed for a large contractor)

Builders risk- New Construction and Rehabilitation projects
Examples of recently placed risks
  • High limits builders risk with $150 million limit
  • Specialty Construction- Builders risk for a solar farm, Wind Mill Construction
  • High value coastal construction- Frame Residential
Possible to place multiple lines in one policy (GL, Prop, Inland Marine, Pollution, Professional)
  • May be able to use the '01 ISO GL form to cover the over the road exposure for mobile equipment.
  • On select accounts we may be able to add the Care, Custody, Control exposure to the IM Form.
High value and large schedule Inland Marine Policy could include: Warehouse Legal, Property coverage's for buildings and contents, Installation Floater, Motor Truck Cargo, Scheduled Equipment. On select accounts we may be able to add the Care, Custody, Control exposure to the IM Form.

Commercial Building Insurance Philadelphia

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