Contractors General Liability

Contractors General Liability Program from Atlas General Insurance Services

Contractors face a broad mix of on-site and off-site risks—job site injuries, damage to client property, and exposures arising from subcontractors. Atlas General Insurance Services offers a Contractors General Liability program designed to help you protect contractor clients from costly third-party claims. The program is built to serve small artisan trades through large general contractors working on commercial projects, with flexible terms to match diverse operations.

Ideal Accounts and Target Industries

This program works for both commercial and residential contractors involved in new construction, remodeling, repair, and service work. Atlas underwrites a wide appetite across more than 90 class codes. Typical accounts include:

• General contractors (commercial and residential)
• Artisan contractors (plumbers, electricians, painters, carpenters, etc.)
• Contractors that use subcontractors heavily — up to 100% subcontracted work accepted

Representative eligible classes:

• Concrete construction
• Electrical work (within building)
• Excavation and grading
• HVAC and plumbing (residential and commercial)
• Roofing, painting, masonry
• Tree trimming, landscaping, janitorial services
• Furniture/fixture installation, drywall

Coverage Highlights and Program Features

Atlas General’s Contractors General Liability program provides broad liability protection and contractor-specific endorsements that simplify risk placement and satisfy contract obligations. Key features include:

• Limits: Up to $1,000,000 per occurrence and $2,000,000 general aggregate
• Included endorsements:
  • Blanket additional insured
  • Primary & non-contributory wording
  • Waiver of subrogation
  • CG 20 37 for completed operations on 100% commercial projects
• Flexible payment: Financing options with 15% down payment available

The program is offered on a non-admitted basis through A.M. Best A Rated (Excellent) carriers, which allows greater flexibility when placing nonstandard or higher-risk contractor accounts.

Underwriting Guidelines and Minimum Premiums

Atlas balances broad appetite with pragmatic underwriting. Minimum premiums start at:

• $500 for artisan contractors
• $1,250 for general contractors (including accounts with up to 100% subcontracted work)

Program parameters (typical maximums):

• 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 up to 15 employees

Underwriting is risk-based: contractors with solid safety programs, clear subcontractor controls, and stable loss histories are more likely to qualify. Accounts with heavy habitational exposures, high frequency losses, or excluded class operations may require additional scrutiny or decline.

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. Availability can vary by class and risk characteristics — confirm with Atlas underwriting for state-specific requirements.

Why Work With Atlas General Insurance Services

Atlas General is a specialized general agency focused on placing contractor liability across a wide class mix. Agents benefit from:

• Direct access to non-admitted capacity with A.M. Best A Rated carriers
• Contractor-friendly forms (blanket AI, primary & non-contributory, waiver of subrogation)
• Competitive minimums and financing to help write smaller accounts
• Underwriters experienced in contractor exposures and subcontractor programs

Example scenarios that fit well:

• You have a mid-sized commercial GC with $12M annual receipts seeking completed operations coverage and primary additional insured wording for owner/GC contracts.
• You have a small HVAC contractor with modest payroll and a clean loss run that needs a straightforward $1M/$2M policy with waiver of subrogation and financing.

For account placement, Atlas provides prompt underwriting decisions and tailored endorsements to meet contractual demands—helping you close business faster and with the coverage your clients need.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.