Contractors Excess Liability Program from Gladius Insurance Services
Gladius Insurance Services, LLC offers a streamlined, non-admitted Contractors Excess Liability Insurance program backed by Mt. Hawley Insurance Company (A+ X rated). Designed for speed and flexibility, this program helps agents place excess liability coverage for qualifying contracting and commercial risks quickly and efficiently. With in-house rating authority and minimal submission requirements, you can provide fast, competitive solutions for your clients’ high-limit liability needs.
Ideal Accounts and Appetite
This program is tailored for established contracting and commercial operations that meet specific risk criteria. Ideal accounts include:
- General contractors and subcontractors not involved in new residential construction
- Commercial contractors working on low- to mid-rise buildings (3 stories or fewer)
- Artisan trades and specialty contractors with clean loss records
- Businesses with annual revenues under $7.5 million
Commercial classes start at a $750 minimum premium, while contracting classes begin at $1,000. With over 150 eligible commercial classes, this program offers broad flexibility within underwriting guidelines.
Coverage Highlights and Advantages
- Limits available from $1 million to $5 million
- Eligible underlying carriers must be rated A- V or better
- Option to include Employers Liability at no additional cost if Workers Comp is in place
- Auto liability can be added as an underlying policy (minimum $1M BI/PD limits)
- Same-day quote, bind, and policy issuance in most cases
This is an excellent solution for agents with clients needing additional liability protection above standard GL limits, especially when fast turnaround is essential.
Underwriting Requirements and Restrictions
To qualify, accounts must carry:
- Underlying General Liability coverage with at least $1 million per occurrence and aggregate
- Underlying policies written by carriers rated A- V or better
Ineligible risks include:
- New residential construction
- Buildings over 3 stories or more than 250,000 square feet
- Apartment or habitation risks over 3 stories
- More than 10 automotive power units or operating radius over 200 miles
- Loss history with claims exceeding $50,000 (single) or $100,000 (aggregate) in any one year over the past 5 years
Territories and Availability
This program is currently available in the following states:
- California (CA)
- Arizona (AZ)
- Nevada (NV)
- New Jersey (NJ)
- New York (NY)
- Ohio (OH)
- Oregon (OR)
- Utah (UT)
- Washington (WA)
Why Work With Gladius Insurance Services?
As an experienced Excess & Surplus Lines broker, Gladius Insurance Services specializes in fast, efficient placement of tough-to-place liability risks. With in-house authority and access to a strong A+ rated carrier, we can provide agents and brokers with the tools to meet client needs quickly—without sacrificing quality coverage or underwriting integrity.
Whether you're working with a contractor expanding into larger jobs or a commercial operation seeking additional liability protection, our streamlined process and underwriting clarity make us a reliable partner for your excess liability placements.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include commercial and contracting risks not involved in new residential construction, with good loss histories and annual revenues under $7.5 million.
What are the minimum underlying limits required?
Underlying General Liability coverage must have at least $1 million per occurrence and $1 million aggregate, placed with an A- V or better rated carrier.
How fast can I get a quote and bind coverage?
Gladius can quote, bind, and issue policies within the same day—often in under an hour—thanks to in-house rating capabilities.
Can auto liability be included as an underlying policy?
Yes, auto liability can be added as an underlying policy if it carries at least $1 million in BI/PD limits, but General Liability is required as the primary underlying coverage.
Is this program available in admitted markets?
No, this is a non-admitted program offered through Mt. Hawley Insurance Company.
Need help placing an account? Connect with a market specialist.