Source: Selective Insurance Group — Construction Insurance
Selective Insurance Group: General Contractors Insurance Appetite
Selective is one of the strongest regional carriers for contractors in the Eastern US. Their construction underwriting team has deep expertise and can write a broad range of trades. Sweet spot is mid-size GCs with $5,000-$100,000 in premium. They compete well against Hartford and Travelers in their footprint.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Auto |
| Commercial Property |
| Umbrella/Excess |
| Inland Marine |
| Professional Liability |
Premium Range
$5,000-$100,000
Typical annual premium
Target States
30+ states, strongest in Eastern US
Key Features
- Broad contractor appetite from artisan trades to mid-size GCs
- Inland marine for tools, equipment, and builders' risk
- Workers' comp with dedicated loss control for construction
- Commercial auto program handles contractor fleets up to 50 vehicles
- Wrap-up and OCIP experience for project-specific coverage
Limitations
- Heavy civil and infrastructure work may be referred to specialty construction markets
- EIFS/stucco contractors face restricted availability
- Projects over $25M may exceed standard program limits
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
$2,000-$15,000
$3,000-$50,000
$800-$5,000
$3,000-$75,000
$500-$10,000
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