Overview of the Program from Ck Specialty Insurance
Ck Specialty Insurance Associates, Inc. is a family-owned, Western-based MGA/wholesaler and surplus lines broker focused on providing market access for independent retail agents across a broad contractor segment. Our Contractors Insurance program offers flexible excess & surplus lines solutions through numerous carrier relationships to help you place accounts that may be challenging for admitted markets.
Ideal Accounts and Appetite
- General contractors and artisan contractors working in residential and commercial sectors.
- New residential construction, speculative builders, tract developments, and remodelers—including large multi-lot projects where there are no tract limits.
- Specialty trades such as roofing, framing, excavation, masonry, landscaping, welding, and select pollution-exposure trades (pollution coverage available).
- Accounts with loss controls in place and clear scope-of-work descriptions. Higher-risk specialties are considered on a case-by-case basis.
Coverage Highlights and Advantages
- Comprehensive general liability and contractor package forms via E&S markets.
- Pollution/Environmental liability available for qualifying operations.
- Low entry point with minimum premiums starting at $500—useful for smaller contractors and remodelers.
- Ability to write large developments without artificial tract limits.
- Multiple carrier options improve placement flexibility for unusual or higher-risk exposures.
- Fast underwriting response—some submissions receive decisions within 24 hours.
Underwriting Notes and Minimum Premiums
As an excess & surplus lines program, underwriting focuses on detailed scope of operations, payroll and revenue splits, subcontractor controls, safety programs, and loss history. Our minimum premium is $500. Provide signed applications, current loss runs (typically 5 years preferred), and a clear description of operations to help expedite review.
Territories and Availability
This Contractors Insurance program is available through Ck Specialty Insurance as a surplus lines placement across multiple states. Territories include: 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, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Because placements are non-admitted, state filing requirements and taxes apply—confirm requirements with your broker compliance team.
Why Work With Ck Specialty Insurance on Contractor Business
- Western-based, family-run MGA with deep experience placing contractor risks in E&S markets.
- Direct access to numerous carriers and surplus lines capacity that broaden placement options.
- Responsive underwriting with emphasis on practical solutions—fast turnarounds for well-prepared submissions.
- Willingness to consider tracts, developers, and complex jobs that exceed admitted market appetite.
Example Account Scenarios
- You might have a remodeling contractor who flips houses with short project timelines and intermittent payroll—this program can provide a tailored E&S package with pollution options if lead or mold remediation exposures exist.
- You might place a developer building a new subdivision of multiple homes where no per-tract limits are required—Ck Specialty can access carriers that will underwrite the development as a single program.
Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA.
Ck Specialty Insurance: Opening market doors…for you.
Frequently Asked Questions
What types of contractor accounts are the best fit for this program?
The program targets general and artisan contractors in residential and commercial work, developers and tract builders, remodelers, and specialty trades like roofing, framing, excavation, and masonry. Accounts with documented loss control, clear operations, and standard subcontractor practices fit well.
Is this an admitted program and which states are available?
This is placed through excess & surplus (non-admitted) markets. The program is available in the listed states (AK through WY and DC). Agents should confirm state surplus lines filing requirements for each placement.
What submission materials speed underwriting?
Provide a completed application, the most recent 3–5 years of loss runs, a breakdown of operations and payroll by class, any contracts or subagreements, and details on safety programs. Well-organized submissions help achieve the fastest turnaround.
What is the minimum premium and are pollution exposures covered?
Minimum premiums start at $500. Pollution/environmental coverage is available for qualifying risks—disclose any potential pollution exposures up front so underwriting can evaluate available options.
How quickly can I expect a decision?
Ck Specialty aims for fast responses; some straightforward submissions receive quotes or decisions within 24 hours. Complex or high-limit accounts may require additional underwriting time.
Need help placing an account? Connect with a market specialist.