Construction & Contractors Insurance Program from Kaigler & Company
Kaigler & Company offers a flexible construction and contractors insurance program available nationwide. Designed for accounts that are difficult to place in standard markets, the program pairs experienced underwriting with access to multiple specialty carriers to help you place complex or high-hazard construction risks with confidence.
Ideal Accounts and Appetite
This program fits both general and trade contractors, especially those that need a specialized market. Typical guidelines include:
- General contractors with substantial subcontracting (up to 95% subcontracted work)
- Trade contractors with limited subcontracting (generally up to 20%)
- Heavy construction and infrastructure contractors with elevated hazard profiles
Target classes include roofing, structural steel erection, bridge/street/road and pipeline construction, excavation, millwright services, marine and wet work, cranes and rigging, and high-steel operations. Kaigler & Company will consider both small town trades and large infrastructure contractors when their exposures match the carrier appetites.
Coverage Highlights and Advantages
The program emphasizes primary general liability and umbrella/excess capacity tailored to construction exposures. Working with multiple carriers allows underwriters to customize limits, endorsements, and terms for operations involving hot work, work at elevation, over-water exposures, heavy equipment, or other elevated hazards.
Examples of accounts that may be a good fit:
- A roofing contractor with prior claim activity that needs a market for renewal.
- A bridge contractor performing work over water that requires coordinated GL and excess limits.
Underwriting Notes and Minimum Premiums
Kaigler & Company focuses on “semi-tough” accounts—those that were declined or limited in standard markets but remain insurable with specialized underwriting. Artisan and tradesmen submissions generally begin at a minimum premium of $5,000. Underwriters are comfortable with detailed submissions that include loss runs, safety programs, and subcontractor oversight practices.
Territories and Availability
The program is available in all 50 states and the District of Columbia. Kaigler & Company can place business in coastal, inland, and remote regions by leveraging non-admitted capacity where appropriate.
Why Work With Kaigler & Company?
Kaigler & Company combines construction-specific underwriting expertise with access to multiple specialty markets. Their flexible approach and non-admitted options give agents more ways to place higher-risk or unusual accounts. If you need a market for complex construction exposures, Kaigler & Company aims to provide practical solutions and responsive service.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for general and trade contractors, including those with higher-risk operations such as roofing, steel erection, marine work, and infrastructure construction.
Is this program available in all states?
Yes. Kaigler & Company offers this construction program in all 50 states and the District of Columbia.
What is the minimum premium for this program?
Tradesmen and artisan contractor accounts generally start at a minimum premium of $5,000.
Does the program accept accounts with a high percentage of subcontracted work?
Yes. The program can accommodate general contractors with up to 95% subcontracted work and trade contractors with up to about 20% subcontracting, depending on the class and other risk factors.
What coverage lines are available through this program?
Primary general liability and umbrella/excess coverage are the core offerings, with tailored terms for construction-specific exposures.
Need help placing an account? Connect with a market specialist.