Residential & Commercial Construction
Commercial Build-Outs
Heavy subcontractor use, new businesses, mixed operations, prior claims — we specialize in GC risks that standard markets turn away. 30+ carriers shopped on every quote.
Unlike a roofer or electrician, a general contractor's exposure shifts with every project. One month it's a $40K kitchen remodel, the next a $2M commercial build-out. You might self-perform 20% and sub out the rest. That complexity is exactly why most standard carriers decline or heavily restrict GC policies.
We access admitted carriers AND surplus lines (E&S) markets specifically for GCs. Whether you're a new operation in year one, a heavy sub-user, or have a prior claim on your record — we find coverage where other agents can't.
Sub out more than 75% of your work? Most carriers restrict or decline. We access markets that understand GC operations and won't penalize you for how you run your business.
Standard carriers want 3–5 years in business. Year one or two GCs get turned away constantly. We have specialty markets that write new GCs with the right underwriting information.
Uninsured subs often get added to your WC payroll at audit. One audit surprise can cost thousands. We structure your policy to protect against this from day one.
A $5M commercial project needs higher per-occurrence limits than a residential remodel. We access umbrella and excess markets to meet whatever limits your contracts require.
Framing, finish work, demo, site prep — each has its own rate. We structure the policy to cover your actual operations, not just your primary trade code.
A GL claim or non-payment cancellation can knock you out of the standard market. E&S carriers specialize in exactly these situations — we know which ones to call.
We shop 30+ admitted and surplus lines carriers to build the right policy for your GC operation — including the coverage most generalist agents miss.
Active policyholders get COIs issued same day — usually within the hour. Need a certificate naming a GC as additional insured before a job starts tomorrow? Call (815) 691-1111.
Most agents only have access to admitted markets. For hard-to-place GCs that's not enough. We access both admitted carriers AND E&S (surplus lines) markets — which means we can write GC policies that most agencies flat-out can't.
Compare My Rate →General contractor insurance can be more affordable than you think — some policies run as low as $100/month. The right carrier makes a big difference.
GL only. Workers comp, commercial auto, umbrella, and builder's risk add on top. We shop 30+ carriers — most GCs are surprised how much rates vary. The only way to know your number is to get a quote.
Yes — but your options are more limited. Standard admitted carriers want 3+ years. New GCs typically need E&S markets, which have flexible underwriting but may cost more. As you build a clean loss record, rates typically improve significantly in years 2–4.
GL is rated on gross receipts and carriers want to know how much you sub out. The best approach is collecting COIs from every sub and making sure your policy covers completed operations. Uninsured subs can dramatically increase your audit premium — we help you avoid this.
If your subs don't carry their own WC, Illinois law may treat them as your employees for liability purposes. We strongly recommend WC for any GC regardless of sub usage. The cost of one uninsured claim far exceeds years of premium.
Yes — active policyholders get COIs same day, typically within the hour. We can add additional insureds, waivers of subrogation, and match exact contract language. Call (815) 691-1111 when you need it fast.
Yes — licensed in IL, WI, IN, IA, and MI. If your projects cross state lines we structure your policy to cover all states where you operate. Multi-state GC operations are common in the Midwest and we handle them regularly.
The standard admitted market will likely decline you — but E&S surplus lines carriers are specifically designed for this. We access those markets directly. A prior claim or cancellation doesn't mean you can't get coverage, it means you need an agent who knows where to go.