Ideal Accounts and Appetite
CoverXSpecialty is equipped to handle a wide variety of construction classes. We have a strong appetite for both residential and commercial operations, including new construction, remodeling, and repair work. Eligible operations include:
- Trade contractors – including but not limited to roofing, framing, siding, drywall, electrical, plumbing/HVAC, concrete, carpentry, paving, and EIFS
- Commercial trade contractors – such as steel erectors, elevator contractors, painting, street and road work, build-out contractors, and more
- Service contractors – including elevator and boiler servicing
- Commercial general contractors – both practice and project-specific policies (up to 36-month terms)
Coverage Highlights and Advantages
We offer flexible, comprehensive coverage options to help protect your clients from the unique risks faced in the construction industry. Key features include:
- Primary limits of 1/2/2 and umbrella limits up to $10M
- Primary non-contributory wording available
- Blanket Additional Insured (AI) endorsement
- Blanket Waiver of Subrogation
- Per-project aggregate limits
- Flexible Self-Insured Retention (SIR) or deductible options
- No minimum premium requirements
- OCP (Owners and Contractors Protective) and Owner’s Interest policies
- Coverage available for EIFS (Exterior Insulation and Finish Systems)
- Extended completed operations for up to 10 years
Underwriting Approach
Our team takes a hands-on approach to underwriting, working closely with agents to place both standard and hard-to-place risks. We understand the nuances of the construction industry and aim to provide fast, responsive service with flexible coverage structures to meet your client's needs.
Territories and Availability
CoverXSpecialty's Construction Insurance program is available in most states across the U.S., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work With CoverXSpecialty?
As a general agency with access to both admitted and non-admitted markets, CoverXSpecialty delivers experienced underwriting, personalized service, and deep knowledge of construction exposures. We work with retail agents and brokers nationwide to help them place accounts efficiently and confidently. Whether your client is a roofing contractor expanding into commercial work or a GC managing a large development, we’re here to help you find the right solution.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for trade contractors, commercial general contractors, and service contractors involved in residential or commercial construction, remodeling, or repair work.
Does CoverXSpecialty offer project-specific policies?
Yes, project-specific policies are available with terms up to 36 months and include extended completed operations coverage for up to 10 years.
Are there minimum premium requirements?
No, there are no minimum premium requirements, making this program accessible to both small and large contractors.
Is coverage available nationwide?
The program is available in most U.S. states, including both coastal and inland markets. Please refer to the state list for availability.
Can I get coverage for EIFS-related exposures?
Yes, coverage for EIFS (Exterior Insulation and Finish Systems) is available under this program.
Need help placing an account? Connect with a market specialist.