Source: Guard Insurance Group — Contractors Insurance
Guard Insurance Group: General Contractors Insurance Appetite
Guard writes small contractors very well — residential remodelers, handymen, painting contractors, and light commercial GCs are their sweet spot. The Berkshire Hathaway backing is a strong selling point when clients need certificates. Premium sweet spot is $1,000-$30,000.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- BOP and GL programs designed for small to mid-size contractors
- Workers' comp with competitive rates for construction class codes
- Commercial auto for contractor vehicles and small fleets
- Blanket additional insured endorsements available on GL
- Berkshire Hathaway financial strength rating for certificate holders
Limitations
- Heavy civil, bridge, and highway contractors are excluded
- Projects exceeding $3M contract value require manual underwriting
- No coverage for demolition-only or wrecking operations
Compare Other Carriers for General Contractors
$3,000-$18,000
$8,000-$75,000
$8,000-$50,000
$270-$8,000
$2,000-$10,000
$5,000-$50,000
$3,000-$15,000
$5,000-$40,000
$4,000-$30,000
$2,000-$15,000
$3,000-$20,000
$3,000-$25,000
$2,000-$15,000
$3,500-$20,000
$4,000-$25,000
$5,000-$35,000
$3,500-$22,000
$3,500-$20,000
$3,000-$20,000
$3,000-$50,000
$800-$5,000
$5,000-$100,000
$3,000-$75,000
$500-$10,000
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