General Contractors Insurance Program from Demetriou Group
Demetriou Group offers a focused General Contractors Insurance program to help independent agents and brokers place construction-related commercial risks with confidence. As a Managing General Agency (MGA) with access to multiple carriers, Demetriou Group provides flexible, multi-line solutions tailored to the exposures general contractors face on residential, commercial, and light industrial projects.
Ideal Accounts and Appetite
This program is designed for licensed general contractors and construction managers across a range of project types and sizes. Typical targets include:
- Residential home builders and remodelers
- Commercial general contractors
- Light industrial contractors
- Construction managers and design-build firms
Subcontractor-heavy operations can be considered when strong subcontractor controls, certificate tracking, and safety programs are in place. Demetriou Group prefers accounts with prior coverage and a clean or explainable loss history, but will evaluate more complex or higher-exposure risks on a case-by-case basis.
Coverage Highlights and Advantages
The program offers broad capacity across common construction lines to help your clients meet contractual, lender, and project requirements. Available coverages may include:
- General Liability (including common construction endorsements such as CG 2294 / CG 2295)
- Commercial Property and Equipment Coverage
- Contractor’s Tools and Equipment
- Builders Risk
- Commercial Auto
- Workers’ Compensation (in select cases)
- Umbrella / Excess Liability
Limits, endorsements, and admitted vs. non-admitted placement depend on carrier appetite and the state of operations. Demetriou Group’s market access gives agents options to match coverage to project requirements and risk tolerances.
Underwriting Notes and Minimum Premiums
Underwriting focuses on the whole account: project types, revenue mix, subcontractor use, safety programs, loss history, and certificate controls. Minimum premiums vary by carrier and the complexity of the account; each submission is reviewed individually to determine eligibility and pricing.
To get a complete picture, include a current ACORD applications, a five-year loss run, payroll and subcontractor details, and descriptions of typical project types when you submit.
Territories and Availability
This program is available to agents and brokers in the following states:
- Connecticut (CT)
- Maine (ME)
- Massachusetts (MA)
- New Hampshire (NH)
- New Jersey (NJ)
- New York (NY)
- Pennsylvania (PA)
- Rhode Island (RI)
- Vermont (VT)
Solutions are written through a range of carriers depending on state filing requirements and class of business; admitted and non-admitted placements are available as appropriate.
Why Work with Demetriou Group?
Demetriou Group brings focused construction underwriting and broad market relationships to help you place both routine and more complex general contractor accounts. Their underwriting team works collaboratively with brokers to identify the best carrier fit, structure multi-line placements, and respond quickly to binding needs.
Example accounts that fit this program:
- A regional contractor that specializes in retail tenant buildouts with steady revenue and a formal safety program — needs GL, Builders Risk, and commercial auto.
- A residential general contractor performing whole-home remodels who uses several vetted subcontractors and requires tool and equipment coverage plus umbrella limits for contract requirements.
To learn more or submit a risk, visit Demetriou Group’s CompleteMarkets profile or view program details at General Contractors Insurance Program.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include licensed general contractors involved in residential, commercial, or light industrial construction. Remodelers, builders, and construction managers are all potential fits.
Is this program available on an admitted basis?
Yes. Admitted and non-admitted options are available depending on the state and the specific characteristics of the risk.
What is the minimum premium for coverage?
Minimum premiums vary by carrier and account complexity. Demetriou Group reviews each submission individually to determine pricing and minimums.
Which states is this program available in?
The program is currently available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT.
Can subcontractor-heavy operations be considered?
Yes. Operations using many subcontractors may be considered, particularly when strong controls, certificate management, and safety practices are documented.
Need help placing an account? Connect with a market specialist.