Contractors General Liability Program from Atlas General Insurance Services
Contractors face a wide range of risks every day—on job sites, in client properties, and while managing subcontractors. Atlas General Insurance Services offers a robust Contractors General Liability program designed to help you protect your contractor clients from costly claims related to bodily injury, property damage, and more. Whether your client is a small artisan contractor or a large general contractor overseeing commercial projects, this program provides flexible solutions tailored to their needs.
Ideal Accounts and Target Industries
This program is suitable for both commercial and residential contractors, including those involved in new construction, remodeling, repair, or service work. Atlas targets a wide range of contractor types, with eligibility across over 90 class codes. Ideal accounts include:
- General Contractors (Commercial and Residential)
- Artisan Contractors (e.g., plumbers, electricians, painters)
- Contractors with up to 100% subcontracted work
Sample eligible classes include:
- Concrete Construction
- Electrical Work (Within Building)
- Excavation and Grading
- HVAC and Plumbing (Residential and Commercial)
- Roofing, Painting, and Masonry
- Tree Trimming, Landscaping, and Janitorial Services
- Furniture Fixture Installation and Drywall
Coverage Highlights and Program Features
Atlas General’s program offers broad liability protection features that help shield your clients' operations and assets. Key coverage benefits include:
- Policy Limits: Up to $1,000,000 per occurrence and $2,000,000 general aggregate
- Endorsements Included:
- Blanket Additional Insured
- Primary & Non-Contributory Wording
- Waiver of Subrogation
- CG 20 37 for Completed Operations on 100% Commercial Projects
- Financing Available: 15% down payment options
This program is available on a non-admitted basis through A.M. Best A Rated (Excellent) carriers, offering more flexibility when placing unique or higher-risk accounts.
Underwriting Guidelines and Minimum Premiums
Atlas General has designed underwriting to be both comprehensive and accessible. Minimum premiums start at:
- $500 for Artisan Contractors
- $1,250 for General Contractors (up to 100% subcontracted work allowed)
Program parameters include:
- Commercial General Contractors – up to $45 million in annual receipts
- Residential General Contractors – up to $15 million in annual receipts and $3 million per project
- Artisan Contractors – up to $10 million in annual sales, $2 million in payroll, and 15 employees
Territories and Availability
This Contractors General Liability program is available in the following states: AL, AR, CT, FL, GA, HI, ID, IL, IN, KS, KY, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NV, OH, OK, SC, SD, TN, TX, VT, WA, WI, and DC.
Why Work With Atlas General Insurance Services
As a trusted general agency, Atlas General Insurance Services brings deep industry knowledge, efficient underwriting, and strong carrier relationships to help you place contractor risks quickly and confidently. With access to broad coverage options, competitive minimum premiums, and a wide appetite across over 90 contractor classes, Atlas is a reliable partner for your contracting clients’ liability needs.
Whether you’re placing a small HVAC contractor or a multi-million-dollar general contracting firm, Atlas has the tools and expertise to support your success.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for general and artisan contractors involved in commercial or residential construction, repair, or service work—with flexible options for subcontracted work and varied annual revenues.
Are new ventures or smaller contractors eligible?
Yes, the program is designed to accommodate small to mid-sized artisan contractors, including new ventures, as long as they meet underwriting criteria.
Is the program admitted or non-admitted?
This Contractors General Liability program is offered on a non-admitted basis through A Rated (Excellent) carriers.
What are the minimum premium requirements?
The minimum premium is $500 for artisan contractors and $1,250 for general contractors.
What states is this program available in?
The program is available in over 30 states including TX, FL, CA, GA, NC, and more. Please refer to the full list for complete availability.
Need help placing an account? Connect with a market specialist.