Overview — Contractors / Construction Insurance from Ck Specialty Insurance
Ck Specialty Insurance Associates, Inc. offers Contractors / Construction insurance solutions designed for retail agents who need flexible markets and quick turnarounds for construction, renovation and specialty contractor risks. As a Western-based MGA, wholesaler and surplus lines broker, Ck Specialty places accounts through multiple A-rated carriers and in-house binding authority where available.
Ideal Accounts and Appetite
This program targets a broad range of contractors and construction risks, including both new construction and repair/renovation work. Typical classes we place include:
- Remodel and home construction contractors
- General contractors and specialty trade contractors (EIFS, OCP)
- Steel erection and drilling contractors
- Solar contractors
- Utility, sewer & water contractors
- Senior and military housing, apartments, custom homes and hotels
Accounts with typical exposure profiles — on-site operations, tools and inland marine needs, completed operations exposures and contractual additional-insured requests — are a good fit. Classes with significant subsidence exposure may be eligible on a case-by-case basis; some classes qualify for no-subsidence wording.
Coverage Highlights and Advantages
- Flexible package: primary GL, excess liability, professional liability (E&O), pollution and property options
- Inland marine tool/eqpt coverage available
- Project-specific policies or annual policies available
- Endorsements available for blanket additional insureds, primary/non-contributory wording, waiver of subrogation and per-project aggregate
- Completed operations endorsement options, including extended completed ops up to 10 years for eligible risks
- All carriers contracted through Ck Specialty are A-rated
- In-house binding authority and brokerage markets to speed placements
Available Endorsements
- Blanket Additional Insureds
- Primary / Non-Contributory wording
- Waiver of Subrogation
- Per Project Aggregate
- Completed Operations coverage for Additional Insureds
- No Subsidence Exclusion (available on select classes)
- 10-year extended Completed Ops endorsement (eligible risks)
- Project-specific policies or annual policies
Underwriting Notes and Minimum Premiums
Ck Specialty underwrites to a construction-focused appetite with multiple markets available depending on class and coverage needs. Minimum premium starts at $500. The program supports quick quote-to-bind turnaround for standard risks; more complex accounts may require supplemental documentation, loss runs and completed operations controls.
Territories and Capacity
This Contractors / Construction program is available in AZ, CA and TX. Ck Specialty places business through a mix of admitted and surplus lines markets as appropriate to the risk ("Most Available Markets"). Capacity levels and admitted status vary by carrier and class.
Why Place Construction Business with Ck Specialty Insurance
- Access to multiple A-rated carriers and both binding and brokerage markets
- Specialized construction underwriting and flexible endorsement options that address typical GC and subcontractor contractual needs
- Low minimum premiums to help place smaller contractor accounts
- Faster turnaround for routine accounts — useful when certificates and AI wording are time-sensitive
Example scenarios: You might have a remodeling contractor needing primary GL, tools coverage and a per-project aggregate with blanket additional-insured wording, or a general contractor on a mid-size multifamily project that needs primary/non-contributory wording and completed operations extended endorsements. This program is structured to handle those needs through admitted or surplus markets depending on the placement.
Ck Specialty Insurance is a Western-based MGA/wholesaler/surplus lines broker providing market access to retail insurance brokers in AZ, CA and TX. All carriers are A-rated and multiple markets are contracted and accessible through Ck Specialty Insurance depending on coverage and risk type.
Ck Specialty Insurance: Opening market doors…for you.
Frequently Asked Questions
What types of contractor accounts are a good fit for this program?
The program fits a wide range of contractors including remodelers, general contractors, steel erection, drilling, solar, utility, sewer & water contractors, and residential builders (custom homes, apartments, hotels, senior/military housing). Small to mid-sized commercial and residential projects with standard completed operations exposure are ideal.
Which states and market types are supported?
This Contractors / Construction program is available in AZ, CA and TX. Ck Specialty places accounts through multiple markets — admitted and surplus lines — as appropriate for the risk and coverage requested.
What endorsements and policy features are commonly available?
Common available endorsements include blanket additional insureds, primary/non-contributory wording, waiver of subrogation, per-project aggregate, completed operations extensions (including up to 10 years for eligible risks), and no subsidence exclusion on select classes.
What are the submission requirements and turnaround expectations?
Standard submissions should include an ACORD application, current loss runs and description of operations. Minimum premium starts at $500. Routine risks typically receive quick quotes and fast bind times; complex or high-exposure accounts may require supplemental information and underwriting review.
How does Ck Specialty support agents placing construction business?
Ck Specialty provides access to multiple A-rated carriers, in-house binding authority on eligible risks, and underwriting expertise focused on construction exposures. They support certificate and endorsement requests and work to place accounts efficiently through available markets.
Need help placing an account? Connect with a market specialist.