Backed by International Insurance Company of Hannover PLC and rated A15 by AM Best, Gladius Insurance Services, LLC offers a focused General Contractors Insurance program designed for a broad range of construction professionals. As an Excess & Surplus Lines Broker, Gladius provides flexible non-admitted solutions for more challenging and diverse construction risks that standard admitted markets may decline.
Overview of the Program From Gladius Insurance Services
This program is tailored for general contractors, paper GCs, artisan trades, custom and spec home builders, and construction managers. It accepts both established firms and new ventures, including accounts with no prior coverage or with prior claim activity. The market is competitively priced with minimum premiums starting at $3,000.00 and offers underwriting flexibility for higher-exposure operations.
Ideal Accounts and Appetite
Gladius targets a wide variety of contractor classes, including:
- General Contractors (including Paper GCs)
- Custom and Spec Home Builders
- Roofers
- Construction Managers
- Restoration Contractors
- Artisan Trades (e.g., carpentry, painting, drywall)
Tract home construction and apartment work are eligible with underwriting approval. New residential and commercial construction projects are welcome, and the program allows 100% subcontracted work when documented appropriately.
Coverage Highlights and Advantages
- Accepts new ventures and accounts with no prior insurance
- Will consider accounts with prior claims activity
- Eligible for tract work and apartment construction upon underwriting review
- Roofing and restoration contractors accepted
- Paper GCs are a preferred class
This market is positioned to place higher-risk or nonstandard general construction accounts that may be difficult to place in admitted markets. The program offers tailored terms and flexible underwriting to match the insured’s operations and exposures.
Underwriting Notes and Minimum Premiums
Underwriting evaluates each account on its own merits. Minimum premiums start at $3,000.00. Factors that will influence terms include revenue, percent of subcontracted work, project types, claims history, safety controls, and contract wording. Provide full details of operations, job types, payroll/subcontractor splits, and loss runs to speed placement.
Ineligible Risks
While appetite is broad, the following risks are not eligible for this program:
- Airport construction
- Demolition involving explosives
- Fire suppression system installation or service
- Elevator installation or maintenance
- Bridge work
- Gas stations
- Blasting and tunneling
Territories and Availability
This program is currently available in the following states: AZ, CA, CT, FL, ID, IL, IN, NV, NJ, ND, OH, OR, PA, TX, UT, and WA.
Why Work With Gladius Insurance Services?
Gladius combines construction underwriting expertise with access to an established E&S carrier. That combination makes them a solid option when you need flexible terms, coverage for new ventures, or placement for accounts with prior losses. Their team is set up to evaluate complex risk profiles and provide responsive submissions and tailored endorsements.
Example fits for this program:
- A small custom home builder in California who is a new business with no prior policy — Gladius can consider placement with standard safety documentation and start-up underwriting.
- A restoration contractor in Florida with a recent claim history — Gladius will review loss details and may provide competitive terms where admitted markets have declined.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is well suited to general contractors, paper GCs, custom and spec home builders, roofers, artisan contractors, and construction managers — including new ventures and accounts with prior claims.
Are new construction projects eligible?
Yes. Both residential and commercial new construction projects are acceptable, subject to underwriting review.
Can I submit accounts with no prior insurance or claims history?
Yes. Gladius accepts new ventures and accounts with no prior coverage, and they will also consider accounts that have previous claim activity.
Is 100% subcontracted work allowed?
Yes. Accounts that fully subcontract their work are eligible, provided subcontractor controls and documentation are adequate.
Which states is this program available in?
The program is available in AZ, CA, CT, FL, ID, IL, IN, NV, NJ, ND, OH, OR, PA, TX, UT, and WA.
Need help placing an account? Connect with a market specialist.