Source: Cincinnati Financial — Contractor Insurance
Cincinnati Financial: General Contractors Insurance Appetite
Cincinnati Financial is a top choice for general contractors in their operating territory. Their local field underwriters understand construction risks and can make quick decisions. The combination of competitive GL, strong workers' comp, and inland marine coverage makes them a complete construction market for small to mid-size GCs. Especially strong in Midwest and Southeast states.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Inland Marine |
| Builders Risk |
| Umbrella/Excess |
Premium Range
$3,500-$22,000
Typical annual premium
Target States
44 states (primarily Midwest, Southeast, Mid-Atlantic)
Key Features
- Strong construction program with local underwriting authority
- Builders risk for residential and light commercial projects
- Inland marine with competitive rates for tools and equipment
- Workers' comp with return-to-work programs and loss control
- Blanket additional insured and waiver of subrogation endorsements
Limitations
- Heavy civil, highway, and bridge contractors need specialty markets
- Not available in 6 states — check geographic eligibility
- Projects over $15M contract value require home office approval
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