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AI Risk
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AI Risk
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Contractors General Liability

Overview of the Program from AI Risk:

AI Risk offers a specialized Contractors General Liability program designed to protect contractors from common liability exposures on the jobsite. With underwriting expertise and carrier access through AIG, this program is structured to meet the coverage needs of small- to mid-sized contractors across the U.S. Placements are available on either an admitted or non-admitted basis depending on state requirements and risk characteristics.

This program is a practical option for agents and brokers placing general liability for contractors who don’t fit standard markets or who need tailored terms tied to their operations and risk controls.

Ideal Accounts and Appetite:

The program targets a broad range of contracting businesses with defined revenue and subcontracting profiles. Key target groups include:

  • Contractors with annual revenues of $25 million or less
  • Contractors who subcontract less than 25% of their work
  • Specialty trade contractors (electrical, plumbing, HVAC, etc.)
  • Heavy construction contractors

This appetite is focused on commercial, industrial, and select residential construction work. For example, you might have a specialty HVAC contractor working on public buildings or a local excavation firm that needs primary general liability—both are strong fits for this program.

Coverage Highlights and Advantages:

  • Primary General Liability available on ISO occurrence or claims-made forms
  • Capacity and backing from AIG, a top-tier global carrier
  • Underwriting tailored to construction-related exposures and operations
  • Support for agents placing difficult-to-place or niche contracting risks

Underwriting Notes and Minimum Premiums:

Minimum premiums start at $10,000 for most accounts. Higher minimums apply to certain higher-risk classes:

  • $50,000 minimum for accounts involved in new residential housing developments of five homes or more in Arizona, California, Colorado, Florida, Louisiana, Nevada, New Mexico, Oregon, Texas, Utah, or Washington
  • $50,000 minimum for roofing contractors

Underwriting is selective and favors contractors with demonstrated experience, sound loss histories, and active risk control practices.

Territories and Availability:

This Contractors General Liability program is available in all 50 states and Washington, D.C. AI Risk supports both admitted and non-admitted placements to provide flexibility across jurisdictions and regulatory environments.

Why Work With AI Risk:

AI Risk combines deep construction-industry knowledge, focused underwriting, and direct carrier relationships to help agents place general liability for contractors that are difficult to insure in the standard market. As a Managing General Agency and Carrier with access to AIG capacity, AI Risk delivers responsive service, pragmatic underwriting, and the ability to structure placements on the paper type needed for each state and risk.

Whether you are placing a small specialty trade contractor or a growing heavy construction firm, AI Risk’s Contractors General Liability program offers a reliable option with carrier strength and underwriting expertise to help you close more business.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for contractors with annual revenue under $25 million who subcontract less than 25% of their work. Specialty trades and heavy construction contractors are particularly well-suited.

Is this program available on an admitted basis?

Yes. The program can be placed on admitted or non-admitted paper depending on the state and the specific risk profile.

Are new residential construction projects eligible?

Yes. Accounts involved in new residential developments of five or more homes are eligible, but those in certain states require a higher minimum premium of $50,000.

What is the minimum premium for most accounts?

The typical minimum premium is $10,000. Roofing contractors and certain residential builders have a $50,000 minimum.

Which carrier backs this program?

The Contractors General Liability program is backed by AIG, a leading global insurance carrier.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A XI rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

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APPLICATIONS

  • Contact for Application
    Click here to contact the appropriate AI Risk office for more information and applications.

AGENCY LICENSING

Please call the Middle Market Program Manager in your area.
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