Source: Auto-Owners Insurance – Contractor Insurance
Auto-Owners Insurance: General Contractors Insurance Appetite
Auto-Owners is a preferred market for contractors in the Midwest and Southeast. Their local agents understand construction operations, and their pricing is consistently competitive. Especially strong for residential builders, remodelers, and specialty trade contractors. One of the best-kept secrets in Midwest construction insurance.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Inland Marine |
| Builders Risk |
| Umbrella/Excess |
Premium Range
$3,000-$20,000
Typical annual premium
Target States
26 states (Midwest and Southeast)
Key Features
- Strong GL program for residential and commercial contractors
- Builders risk for projects up to $10M in value
- Inland marine with competitive rates for tools and equipment
- Workers' comp with construction-specific safety programs
- Blanket additional insured and waiver of subrogation available
Limitations
- Heavy civil, highway, and bridge contractors are excluded
- Available in only 26 states – limited geographic reach
- Demolition-only contractors are declined
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