Contractors Insurance

M.J. Hall & Company, Inc. offers a comprehensive Contractors Insurance program designed to help agents place a broad range of artisan and general contractor accounts.

Whether your client is a residential remodeler or a commercial contractor, it’s important they have protection for the exposures they face on the job. From bodily injury and third-party property damage to contractor pollution liability and builder’s risk exposures, our carrier partners provide flexible solutions tailored to today’s construction professionals.

Ideal Accounts and Appetite

This program is built for a wide range of contracting risks, including but not limited to:

• Artisan contractors and trades
• Commercial contractors (all types)
• Residential contractors and developers
• Custom home builders
• Residential remodelers
• Service contractors and tenant improvement work
• Roofing and paving contractors
• Swimming pool contractors
• Environmental contractors and consultants
• Contractor pollution liability accounts

If you have clients working on ground-up construction, major renovations, or specialty trades, we can help you find appropriate coverage. Typical strengths include flexible limits, pollution liability options, and builder’s risk forms for complex projects.

Example scenarios agents place through this program:

• A regional roofing contractor with mixed residential and light commercial work that needs general liability plus pollution liability due to roof tear-offs.
• A custom home builder pursuing ground-up projects who needs course-of-construction (builder’s risk) coverage with soft costs and transit protection.

Coverage Highlights and Advantages

Contractors General Liability (Primary and Excess): Available for a broad range of project types and contractor classes. Limits and forms can be tailored to meet specific project or client requirements, including excess liability placements when needed.

Course of Construction (Builder’s Risk):

• Available for all types of construction projects, from single-family to large commercial builds
• Optional coverages: soft costs, transit, earthquake, flood
• Includes completed-but-unsold dwellings where applicable
• Reporting form options available
• Specialty application required for underwriting consideration

Underwriting Notes and Minimum Premiums

Minimum premiums vary by contractor class, limits, and coverages requested. Our underwriting team reviews each submission individually to match the risk to the best carrier option within our network.

We work with multiple carriers to offer both admitted and non-admitted solutions where appropriate. Specialty and higher-hazard contractors are welcome to submit—provide complete applications and loss history for the quickest review.

Territories and Availability

This program is currently available in:

• Alaska (AK)
• Arizona (AZ)
• California (CA)
• Nevada (NV)

Admitted coverage is available in some states; contact our team for state-specific details and admitted vs. surplus options.

Why Work With M.J. Hall & Company, Inc.

As an experienced excess and surplus lines broker, M.J. Hall brings decades of contractor market knowledge. Our specialists understand construction exposures and work to place difficult or nonstandard risks with carriers who underwrite contractors.

We provide access to a wide range of carriers and flexible solutions—whether your client needs primary and excess general liability, builder’s risk with optional coverages, or contractor pollution liability. Our goal is to help you build a tailored insurance package that fits your client’s operations and project needs.

For appointment inquiries, contact: [email protected]

For more information about Contractors Insurance, please feel free to call or email our team.