Gladius Insurance Services, LLC is a nationwide excess and surplus lines broker focused on contractor casualty solutions. We work exclusively with retail agents to place general liability, excess, and pollution coverage for contractors of all sizes — including accounts that are hard to place in the admitted market. With deep industry knowledge and strong carrier relationships, we provide responsive service, fast turnaround, and underwriting guidance designed to help you win and retain contractor business.
Ideal Accounts and Appetite
The Contractors Casualty Insurance program is built for a broad range of contractor risks, from small artisan trades to large general contractors and construction managers. We consider new ventures, accounts with limited or no prior coverage, and operations that rely 100% on subcontractors.
Examples of eligible risks include:
- Roofers and other higher-exposure trades
- General contractors (including paper GCs)
- Construction managers and supervising contractors
- Restoration and remediation contractors
- Residential and commercial new construction (custom and speculative homes)
- Apartments and tract work (subject to underwriting)
- Accounts with prior claims activity (evaluated case-by-case)
We also consider EIFS and subsidence exposures where underwriting approval is appropriate.
Agent examples: You might have a roofer with a recent claim history who needs excess capacity and pollution coverage for restoration work; or a paper GC managing multiple subcontractors who requires blanket additional insured and per-project aggregate language. Those are the kind of submissions this program targets.
Coverage Highlights and Advantages
Gladius provides access to A15-rated capacity through International Insurance Company of Hannover LLC and offers flexible casualty solutions tailored to contractor exposures. Key features include:
- Primary general liability, excess liability, and pollution coverage options
- Blanket additional insured, primary & non-contributory, waiver of subrogation, and per-project aggregate endorsements
- Prior projects coverage available with limitations and underwriting review
- Subsidence and EIFS coverage available upon approval
Underwriting Notes and Minimum Premiums
We take a hands-on underwriting approach and evaluate new ventures, accounts with losses, and complex operations. Minimum premiums typically start at $3,000. Accounts that require removal of prior work exclusions generally need loss runs and may be subject to higher minimums.
Please note these risks are not eligible for this program:
- New construction of condominiums, condo conversions, and townhouses
- Projects involving process piping, blasting, landfills, tunneling, or emergency systems
- Bridge or airport construction
- Fire suppression contractors and crane operators
Territories and Availability
This E&S program is available to retail agents nationwide and is actively available in more than 40 states, including CA, TX, FL, AZ, NJ, IL, and WA. All coverage is written on a non-admitted basis.
Why Work With Gladius Insurance Services?
As an independent wholesale broker, Gladius combines market access with contractor-specific underwriting expertise. We prioritize relationship-driven service, fast response times, and clear communication so you can place difficult risks efficiently. Our team helps you package submissions, identify appropriate endorsements, and navigate loss history to secure the best available terms.
Whether you’re placing a new venture with no prior coverage or a large GC with complex exposures, Gladius can help you find tailored casualty solutions through strong carrier partners.
Frequently Asked Questions
What types of contractor accounts are a good fit for this program?
We focus on roofers, general contractors, construction managers, restoration contractors, paper GCs, and 100% subcontracted operations. We also consider higher-exposure trades with underwriting approval.
Can you write new ventures or accounts with no prior coverage?
Yes. New ventures and accounts without prior history are eligible, subject to underwriting review and documentation.
What are the minimum premium requirements?
Minimum premiums typically start at $3,000. If prior work exclusions need to be removed, loss runs are usually required and higher minimums may apply.
Which states is this program available in?
The program is offered on a non-admitted basis in most states, including CA, TX, FL, AZ, NJ, IL, WA, and many others. Availability varies by state and account details.
Are accounts with prior claims eligible?
Yes. We review accounts with prior claim activity on a case-by-case basis and work to structure terms that address the exposure.
Need help placing an account? Connect with a market specialist.