Construction Managers Insurance Program from Ashley General Agency
Ashley General Agency offers a specialized Construction Managers Insurance program tailored for professionals who act on behalf of project owners to oversee construction projects. This program is designed specifically for construction managers who represent the owner's interests, focusing on quality control and code compliance without direct supervision of subcontractor operations.
Whether you're working with an established construction management firm or a newly launched venture, Ashley General Agency provides flexible underwriting solutions to help you place this unique class of business. Lapses in prior coverage are considered, and competitive limits are available—up to $1M per occurrence and $2M aggregate.
Ideal Accounts and Appetite
This program is ideal for:
- Construction managers working directly for project owners
- Firms focused on compliance oversight and quality assurance
- New ventures with limited or no prior insurance history
Accounts that do not involve direct supervision of subcontractors are preferred. The ideal insured is not acting as a general contractor or performing hands-on construction work but is responsible for monitoring the project, ensuring contractors meet code and quality standards.
Example: You might have a client who has been hired by a commercial property developer to oversee a multi-million-dollar retail center buildout. They don’t manage the subcontractors directly but are responsible for on-site inspections and reporting progress to the owner. This type of account fits well within the program’s underwriting appetite.
Coverage Highlights and Advantages
- General liability limits up to $1M/$2M
- Coverage for owner’s representative construction managers
- Non-admitted markets for broader underwriting flexibility
- New ventures and lapse-in-coverage accounts considered
Underwriting Notes and Minimum Premiums
Ashley General Agency underwrites accounts on a case-by-case basis with thoughtful consideration of each operation’s risk profile. The minimum premium for this program starts at $2,500. Lapses in prior coverage will be reviewed and are not an automatic decline.
Territories and Availability
This program is currently available in Texas. All coverage is written on a non-admitted basis through various carriers, allowing for customized solutions not always found in the admitted market.
Why Work With Ashley General Agency?
As a General Agency and Excess & Surplus Lines Broker, Ashley General Agency brings deep expertise in niche construction-related risks. Their flexible underwriting approach and access to a variety of non-admitted carriers make them an excellent partner for placing hard-to-place or specialized construction management accounts. If you’re looking for a market that understands the nuances of construction oversight roles, Ashley is a strong choice.
Frequently Asked Questions
What types of accounts are a good fit for this Construction Managers Insurance program?
Accounts where the insured works as an owner's representative overseeing construction projects without directly supervising subcontractors are ideal.
Is this program available for new ventures?
Yes, Ashley General Agency accepts new venture accounts. Prior insurance history is not required.
Can I submit accounts with a lapse in coverage?
Yes, lapses in coverage are considered during underwriting. Each submission is reviewed individually.
What are the coverage limits offered?
The program offers general liability limits up to $1 million per occurrence and $2 million aggregate.
Which states is this program available in?
At this time, the program is available exclusively in Texas.
Need help placing an account? Connect with a market specialist.