ProBuilders Program from AJS Insurance Services
The ProBuilders Program from AJS Insurance Services, Inc. is a specialty General Liability program for residential and commercial contractors — including general contractors and subcontractors. Underwritten through ProBuilders Specialty Insurance Company, RRG, the program is available in all U.S. states except New York and is supported by endorsements from multiple builders associations.
Ideal Accounts and Target Contractors
This program is designed for agents placing contractor risks. It fits well for:
- Residential and commercial general contractors and subcontractors
- Builders working on tract housing and apartment projects
- Artisan and specialty contractors, including newer operations with qualified management experience
Important: Condominium, townhouse, and homeowners association (HOA) projects are eligible only under the OCIP/Wrap Program, not under the Regular or Artisan programs.
Coverage Highlights and Program Advantages
- Wholesale General Liability-only program tailored to contractors
- Three program tracks: Artisan/Small Contractors, Regular, and OCIP/Wrap
- Flexible sunset options: 2-year, 3-year, 5-year, or no sunset
- Endorsed by multiple homebuilder associations for added market credibility
- Simple producer agreement and straightforward submission requirements
- Fast quoting when you provide a complete submission—typically 2–3 days
- Sample proposals and specimen policies available to simplify client presentations
Underwriting Guidelines and Minimum Premiums
The program has distinct requirements by track:
- Regular Program: Minimum deductible $3,500. Ineligible classes include large-scale demolition (over three stories), scaffolding operations, tunneling, blasting, and similar high-hazard exposures. Roofing and plumbing contractors typically need at least five years in business.
- Artisan/Small Contractors Program: For smaller contractors and trades. Deductibles start at $1,500 with an optional $2,500 deductible. Newer businesses may need to provide resumes for key principals and more detailed applications.
- OCIP/Wrap Program: Designed specifically for condo, townhouse, and HOA projects. This track has a high minimum premium (example minimums and fees apply) and a maximum policy term of two years; it is underwritten to project specifications.
Premiums are calculated from estimated receipts and are subject to post-bind audit (audits are upward only). Provide full applications, five years of loss runs where available, and a clear work narrative to speed underwriting.
States Available
The ProBuilders Program is available in all U.S. states except New York. Key markets include California, Texas, Florida, Arizona, Colorado, and Nevada.
Why Work with AJS Insurance Services?
AJS positions itself as a contractor-focused wholesaler with hands-on underwriting and responsive service. Agents will find dedicated account management, clear documentation, and fast turnarounds. The program is particularly useful when you need specialty liability capacity for contractor clients that mainstream markets may decline or price inefficiently.
Example scenarios where ProBuilders is a good fit:
- You have a residential builder doing multi-unit apartments that needs a tailored General Liability program with multi-year sunset options.
- An artisan plumbing or electrical contractor with solid supervision but limited years in business needs an admitted-quality liability placement through an experienced wholesale underwriter.
From quote to bind, AJS provides sample proposals and specimen policies to help you present coverage clearly to your clients and close business faster.