Contractors Insurance

Contractors Insurance — BSR Insurance

BSR Insurance offers a Contractors Insurance program designed for independent agents and brokers who need flexible, high-capacity coverage for commercial, industrial, and incidental residential construction and artisan contractors. As a General Agency and Excess & Surplus Lines Broker, BSR places coverage with Liberty International Underwriters to handle complex or non-standard contractor risks that may not fit standard admitted markets.

Overview of the Program

This program targets contractors of many sizes and scopes, from small artisan trades to larger commercial builders. It supports both residential and commercial construction exposures and is built to handle accounts with robust receipts (up to $35 million) and varied operations across more than 200 eligible classes.

Ideal Accounts and Appetite

• Artisan contractors and subcontractors performing commercial, industrial, or incidental residential work
• Residential and commercial general contractors with mixed operations
• Accounts with large payrolls or receipts (up to $35M), specialty trades, and niche exposures
• Programs that require flexible subcontractor considerations — 100% insured and uninsured subcontractors are acceptable
• Builders or contractors without tract-home limitations

Coverage Highlights and Advantages

• General liability and customizable packages suitable for construction operations
• Commercial auto can be included for artisan contractors (coverage available for up to 15 power units)
• Wide class appetite — over 200 classes available to insure a broad range of trade exposures
• Accepts accounts with insured or uninsured subcontractors, helping agents place difficult exposures
• Capacity for large receipts and more complex operations

Underwriting Notes and Minimum Premium

Underwriting is done through BSR Insurance as an E&S wholesaler, with placements through Liberty International Underwriters. Minimum premiums start at $500. While the program is flexible, accounts are evaluated on operations, safety controls, loss history, and contract language. Typical factors that may affect acceptability include high-hazard operations outside the program’s class appetite and operations with insufficient risk controls.

Territories and Availability

This Contractors Insurance program is handled on a non-admitted (E&S) basis and is available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC.

Example Accounts That Fit

• A mid-sized masonry subcontractor with $4–6M in annual receipts, several insured subcontractors on site, and multiple commercial job locations.
• An artisan contractor who needs both general liability and commercial auto coverage for up to a dozen light-duty pickup and service vehicles.

Why Work With BSR Insurance

BSR brings targeted E&S placement expertise and established access to Liberty International Underwriters, making it a strong option when admitted markets limit capacity or terms. Agents benefit from a broad class appetite, the ability to handle complex subcontractor situations, and a minimum premium structure that supports smaller accounts as well as larger programs.