PreferredVerified Q1 2026
Source: The Hartford — Construction Insurance
The Hartford: General Contractors Insurance Appetite
The Hartford is a top-tier construction market, especially for small-to-mid general contractors doing $500K-$25M in revenue. Their construction appetite guide shows broad acceptance across most trade classes. The ability to bundle GL, workers' comp, commercial auto, inland marine, builders risk, and surety through one carrier is a significant advantage for agents. Dedicated construction underwriters understand subcontractor management and wrap-up programs.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Inland Marine |
| Umbrella/Excess |
| Builders Risk |
| Surety Bonds |
Premium Range
$5,000-$50,000
Typical annual premium
Target States
48 states + DC (excludes AK, HI)
Key Features
- Dedicated construction underwriting unit with broad appetite across general, highway/heavy, trade, and specialty contractors
- GL automatically includes additional insured and limited wrap-up coverage for punch list work and off-site fabrication
- Builders risk program is among the largest in the country — strong capacity for ground-up construction and renovations
- Construction surety bonds available for contract, bid, and payment bonds through the same carrier relationship
- Inland marine covers contractors' tools, equipment, and installation floaters
Limitations
- High-hazard trades like roofing, structural steel erection, and demolition-only contractors are typically declined in small commercial
- Environmental and asbestos abatement contractors need separate pollution liability placement
- Very large projects (over $50M) move to middle & large commercial with longer underwriting timelines
Compare Other Carriers for General Contractors
Progressive CommercialPreferred
$3,000-$18,000
TravelersPreferred
$8,000-$75,000
CNAPreferred
$8,000-$50,000
HiscoxPreferred
$270-$8,000
ERGO NEXT InsurancePreferred
$2,000-$10,000
EMPLOYERS HoldingsLimited
$3,000-$15,000
AcuityPreferred
$5,000-$40,000
Erie InsurancePreferred
$4,000-$30,000
biBERKPreferred
$2,000-$15,000
AmTrust Financial ServicesStandard
$3,000-$20,000
BTISPreferred
$3,000-$25,000
Pie InsuranceStandard
$2,000-$15,000