Contractors Insurance Program from Ck Specialty Insurance Associates, Inc.
Ck Specialty Insurance Associates, Inc. offers a Contractors Insurance program built for independent agents and brokers placing contractor risks across a broad range of classes. As a Western-based, family-owned MGA and surplus lines broker, Ck Specialty provides flexible market access and underwriting support to help you place complex or hard-to-place contractor accounts in Idaho, Nevada, and Washington.
Ideal Accounts and Appetite
This program fits both residential and commercial contractors—from small artisan trades to larger general contractors handling new construction, remodels, and specialty projects. Typical classes include:
- Remodel contractors
- Artisan contractors (electrical, plumbing, carpentry, etc.)
- General contractors
- Commercial contractors
- Residential contractors (new construction and remodel)
Example fits: a residential contractor specializing in high-end urban remodels or a general contractor managing mixed-use commercial builds—both are commonly placed through this program.
Coverage Highlights and Available Endorsements
The program offers a broad set of coverages to address common and niche contractor exposures, including General Liability, Excess Liability, Professional Liability (E&O), and Pollution Liability. Key endorsements available to tailor terms:
- Blanket Additional Insureds
- Primary / Non-Contributory wording
- Waiver of Subrogation
- Per-Project Aggregate
- Completed Operations for Additional Insureds
- Stop Gap
Underwriting Notes and Minimum Premiums
Ck Specialty works with multiple A-rated surplus lines carriers and offers both in-house binding authority and brokerage market access depending on the risk. The program is designed with low minimum premiums to accommodate smaller contractors and artisan trades; actual minimums vary by class and coverage selection.
Underwriting highlights and typical restrictions:
- Focus on Western U.S. contractor classes (ID, NV, WA).
- Non-admitted placement allows flexible terms for elevated or unusual exposures.
- Higher-hazard trades or contractors with significant prior loss activity may require additional review or placement in specialty markets.
Territories and Availability
This Contractors Insurance program is available in Idaho, Nevada, and Washington. Policies are placed through non-admitted markets, which gives you more flexibility to structure coverage and endorsements than many admitted options.
Why Work with Ck Specialty Insurance Associates, Inc.?
Ck Specialty brings regional market knowledge and strong carrier relationships across surplus lines markets. Their underwriting team provides responsive, practical guidance to help you place difficult accounts, and in-house binding authority speeds turnaround when quick coverage is needed. For agents working in the Western U.S., Ck Specialty is positioned as a partner for contractor business that requires tailored terms or non-standard solutions.
Ck Specialty Insurance: Opening market doors…for you.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Good fits include general contractors, artisan trades, and residential or commercial remodelers operating in ID, NV, and WA.
Is this a non-admitted program?
Yes. Coverage is placed through surplus lines markets to allow underwriting flexibility for harder-to-place risks.
What is the minimum premium for this program?
Minimum premiums vary by class and coverage, but the program is structured to accommodate low minimums for smaller contractors and artisans.
Are there in-house binding capabilities?
Yes. Ck Specialty offers in-house binding authority and also places business through brokerage markets when appropriate.
Can I get coverage for pollution or E&O exposures?
Yes. Pollution Liability and Professional Liability (E&O) are available as part of the program’s offerings.
Need help placing an account? Connect with a market specialist.