Ideal Accounts and Appetite
Target classes include a wide range of demolition-related operations such as:
- Wrecking of buildings and structures (99986)
- Dismantling of dwellings (99987)
- Interior tear outs for carpentry (91342)
- Salvage operations (98698)
- Grading and excavation contractors (95410, 94007)
- Contractors with permanent yards or executive supervisors (91580)
- Subcontractors and underpinning services (91585, 99803)
If you have clients involved in structural teardown, land clearing, or urban redevelopment, this program offers the underwriting knowledge and coverage breadth to support their operations.
Coverage Highlights and Advantages
This package program is structured to include core and specialized coverages:
- Commercial General Liability
- Property, Inland Marine, and Crime
- Automobile coverages
Industry-specific enhancements include:
- Contractors Blanket Additional Insureds
- Primary & Non-Contributory Wording
- Blanket Waiver of Subrogation
- Per Project Aggregate Limits
- Following Form Excess Coverage
These features are built to meet the contractual and operational requirements often found in demolition and heavy construction projects.
Underwriting Notes and Submission Requirements
To submit a risk for consideration, be prepared with the following documentation:
- Completed ACORD applications
- Completed program supplemental
- Five years of currently valued loss runs
- Two-year job list or certificate holder list
- Five years of premium, payroll, and receipts history
Minimum premium varies depending on the risk profile and coverage needs.
Territories and Availability
This program is available in most states across the U.S., including but not limited to CA, TX, FL, NY, and IL. Please contact a Blue River Underwriters representative for specific state availability details.
Why Work With Blue River Underwriters?
Blue River Underwriters is known for its strong underwriting expertise in niche markets. With responsive service and a track record of successful program management, Blue River provides agents access to trusted carriers and the tools needed to serve clients in high-exposure industries. Whether you're placing a large demolition contractor with multi-state operations or a smaller salvage outfit, Blue River can help you place the business confidently and efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include demolition contractors involved in structural wrecking, interior tear-outs, excavation, salvage operations, and grading. Subcontractors and contractors with permanent yards are also eligible.
Is this program available on an admitted basis?
The program is offered on an admitted basis in most states. Please contact an underwriter for specific state availability.
What documents are required to submit a risk?
You'll need completed ACORD forms, a supplemental application, five years of loss runs, a two-year job or cert holder list, and five years of premium, payroll, and receipts.
Can I get excess coverage through this program?
Yes, following form excess coverage is available as part of the program's industry-specific enhancements.
What is the minimum premium?
Minimum premium varies based on factors such as operations, size, and location of the account. Contact Blue River for specific underwriting guidance.
Need help placing an account? Connect with a market specialist.