Demolition Contractors

Overview of the Program from Amwins Underwriting

This program is designed for contractors who perform demolition and salvage work as their primary business. Coverage can include:

• Commercial General Liability
• Automobile Liability (including pollution-contaminant liability on autos)
• Pollution liability (operations-related)
• Excess/Umbrella limits to broaden protection

Limits are competitive for this class: General Liability up to $1,000,000 per occurrence / $2,000,000 aggregate and Automobile up to $1,000,000 CSL. General Liability is placed on non-admitted paper; other lines are typically written on admitted paper.

Ideal Accounts and Appetite

This program is a strong fit if your client meets the following:

• At least 75% of gross receipts are from demolition-related activities.
• Primary operations include selective demolition, structure dismantling, salvage, and site clearance without high-hazard methods.
• Clients who handle recycling of construction debris, excavation, or grading as incidental operations (collectively up to 25% of GL receipts).

Examples of good-fit accounts:

• A mid-sized contractor performing commercial interior and selective structural demolition with on-site salvage and debris recycling.
• A salvage operator who specializes in controlled dismantling and scrap recovery with limited subcontracting.

Underwriting Notes and Restrictions

• Minimum premium: $10,000 for General Liability.
• Subcontracting limits: not eligible if more than 25% of demolition operations are subcontracted to others.
• Ineligible operations: wrecking-ball demolition and blasting performed by the insured are excluded.
• Inspections and loss control reviews are commonly required for new and renewal accounts.

Coverage Advantages

• Program tailored specifically to demolition/salvage exposures rather than placed in a broader construction marketplace.
• Access to admitted wording for most lines (GL on non-admitted paper only) with an AM Best "A" rated insurer behind the program.
• Local rating and underwriting decisions through Amwins' specialty team and superior claims and loss control service designed for this class.

Territories and Availability

Available in all U.S. states except Alaska (AK) and Hawaii (HI). Underwriting availability and specific terms may vary by state due to regulatory differences.

Why Place This Business with Amwins Underwriting

As a managing general agency, Amwins Underwriting brings niche expertise in demolition risks, strong carrier relationships, and dedicated service for agents. Use this program when you need a market that understands demolition exposures, will consider packaged liability/auto/pollution placements, and can offer excess capacity for larger accounts.

Frequently Asked Questions

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