Contractors Insurance Program from A.I.I. Insurance Brokerage of MA
A.I.I. Insurance Brokerage of MA offers a focused Contractors Insurance program for independent agents and brokers placing Excess & Surplus (E&S) business across New England. Whether your client is a residential remodeler, a commercial general contractor, or a specialty trade, our program connects you with flexible, competitive E&S solutions for a wide range of contractor classes and project types.
Ideal Accounts and Appetite
We specialize in hard-to-place risks and accounts with exposures that often don’t fit standard admitted markets. Our appetite includes, but is not limited to:
- Artisan Contractors – Electricians, plumbers, HVAC techs, painters, and other specialty trades
- Roofing Contractors – Residential and commercial roofing operations, including steep-slope and flat-roof work
- Demolition Contractors – Selective and structural demolition, including older-structure work
- General Contractors – Residential and light commercial GCs with construction management or trade operations
- Builders Risk – Ground-up construction, renovations, and single-family home projects
- Contractors Pollution Liability – Environmental and pollution-related exposures from construction operations
Example fits: a roofer with prior losses who needs broader limits and specialty endorsements, or a demolition crew working on an older building with potential pollution or asbestos concerns. We evaluate each account individually to find the right market.
Coverage Highlights and Advantages
Through a network of national and regional E&S carriers, our Contractors Insurance program provides a variety of coverages tailored to contractor operations:
- General Liability, including subcontractor exposure management
- Contractors Pollution Liability for environmental exposures on the worksite
- Builders Risk for ground-up construction and renovation projects
- Excess Liability and Umbrella options to increase limits and limit gaps
- Specialty liability forms and endorsements for roofing, demolition, and high-risk trades
We help package coverages to match operations, project types, contractual requirements, and owner/GC obligations.
Underwriting Notes and Minimum Premiums
Minimum premiums and terms vary by class, scope of work, payroll/receipts, and loss history. A.I.I. Insurance Brokerage of MA routinely reviews accounts with prior claims, lapses, or unusual exposures and will market to carriers that specialize in those risks. When submitting, include a clear description of operations, detailed loss runs, and any relevant certificates or contracts to speed placement.
Territories and Availability
This program accepts submissions from agents and brokers located in the following states:
- Connecticut (CT)
- Massachusetts (MA)
- Maine (ME)
- New Hampshire (NH)
- Rhode Island (RI)
We primarily place accounts on a non-admitted basis to provide underwriting flexibility and broader coverage options. We have access to most available E&S markets in these states.
Why Work With A.I.I. Insurance Brokerage of MA?
As a regional Excess & Surplus Lines broker, A.I.I. Insurance Brokerage of MA focuses on contractor-related risks and tough-to-place accounts. Our strengths include deep carrier relationships across E&S markets, flexible underwriting tailored to contractor operations, and responsive service designed to move placements quickly. We partner with agents to understand each account’s specific exposures and to pursue the market combinations that produce effective solutions.
Visit our company profile to learn more about our capabilities, or view the full details of our Contractors Insurance program.
Frequently Asked Questions
What types of accounts are a good fit for this Contractors Insurance program?
We are a strong market for artisan contractors, roofers, demolition contractors, and general contractors with residential or light commercial operations—especially accounts with complex or hard-to-place exposures.
Can you write contractors with prior claims or lapses in coverage?
Yes. We evaluate each account on its merits and can often place contractors who have prior losses or gaps in coverage by matching them to carriers experienced with those exposures.
What coverages are available through this program?
We offer General Liability, Builders Risk, Contractors Pollution Liability, Excess/Umbrella, and specialty endorsements tailored to contractor operations.
Is this program available on an admitted basis?
Most markets used in this program are non-admitted, which gives us flexibility for unusual or higher-risk accounts and allows broader customization of coverage forms.
Which states are eligible for submission?
We accept submissions from agents and brokers in CT, MA, ME, NH, and RI.
Need help placing an account? Connect with a market specialist.