Source: Erie Insurance — Contractors Insurance
Erie Insurance: General Contractors Insurance Appetite
Erie has a dedicated contractors insurance page and industry package, making this a named specialty class. Their tool and equipment coverage and contractor liability endorsements are well-suited for small to mid-size contractors. In Erie's territory, quote alongside Travelers and Acuity to give clients the best terms. Erie is particularly competitive for specialty trade contractors and small GCs doing residential and light commercial work.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Commercial Property |
| Inland Marine |
| Umbrella/Excess |
Premium Range
$4,000-$30,000
Typical annual premium
Target States
12 states + DC (IL, IN, KY, MD, NC, NY, OH, PA, TN, VA, WV, WI)
Key Features
- Dedicated contractor industry package with specialized endorsements and services
- Property damage coverage that specifically covers tools and contractor equipment
- Contractor liability insurance tailored to construction operations
- Strong inland marine program for equipment and installation floaters
- Competitive pricing for small to mid-size contractors through independent agents
Limitations
- Only available in 12 states + DC — contractors operating outside this territory need additional coverage
- Large commercial general contractors may need higher limits than Erie typically offers
- No wrap-up or OCIP programs — refer to Travelers or Zurich for those
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