Ideal Accounts and Appetite
Contractors Elite is designed for a wide range of commercial contractors across more than 34 ISO class codes. Target classes include:
- Alarm Systems
- Carpentry
- Concrete
- Electrical
- Excavation
- HVAC
- Plumbing
- Solar Energy
- Street & Road
- Water Main
Apartment work is treated as commercial, and residential service work is eligible, which gives you more options when placing mixed accounts.
Coverage Highlights and Advantages
This is a true package policy that bundles core coverages commonly required by contractors, reducing the need to bind separate lines with multiple carriers.
- Property
- Inland Marine
- Crime
- General Liability
- Workers' Compensation
- Automobile
- Excess Liability
Industry-specific enhancements are available to address contractual and job site requirements, including:
- Blanket Additional Insured
- Blanket Waiver of Transfer of Rights
- Per Project Aggregate
Underwriting Notes and Minimum Premiums
There is no minimum earned premium requirement, making the program accessible for smaller service contractors as well as mid-sized operations. Minimum premiums vary by risk characteristics, location, and selected limits—Blue River Underwriters will review smaller accounts alongside larger risks to find the right fit.
Territories and Availability
Contractors Elite is available in these states: AL, AR, AZ, CA, GA, IA, IL, KS, KY, LA, MI, MO, NC, NV, OH, OR, TX, UT, VA, WA, and WI. As an admitted program in most available states, it is suitable when customers require admitted policies.
Why Work With Blue River Underwriters
Blue River Underwriters offers admitted market access and contractor-focused underwriting expertise. Their team works with agents to structure package solutions that consolidate exposures—property, inland marine, auto, WC, and liability—under a single admitted carrier, simplifying placement and policy administration.
You might have a client who installs commercial solar systems and performs associated electrical work across multiple buildings—this program can combine inland marine for equipment, GL for jobsite exposures, and auto coverages into one admitted placement. Or consider a street and road contractor with significant equipment and auto exposure; the program’s package structure supports those combined needs without juggling separate carriers.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Commercial contractors across more than 34 ISO class codes are a strong fit—examples include electrical, plumbing, concrete, HVAC, solar energy, excavation, and street & road contractors.
Is residential work eligible for coverage?
Yes. Residential service work is considered, and apartment-related work is treated as commercial for eligibility purposes.
Does this program include Workers' Compensation?
Yes. Workers' Compensation is included as part of the program’s package, alongside property, GL, auto, inland marine, and other coverages.
Are there minimum earned premiums?
There are no minimum earned premium requirements. Minimum premiums do vary by risk, location, and coverage selections.
Which states is the program available in?
The program is available in AL, AR, AZ, CA, GA, IA, IL, KS, KY, LA, MI, MO, NC, NV, OH, OR, TX, UT, VA, WA, and WI.
Need help placing an account? Connect with a market specialist.