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Gladius Insurance Services, LLC
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Gladius Insurance Services, LLC
Contact Us
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Paper Contractors Insurance

This program LOVES paper contractors! The more your insureds subcontract out their work, the more credits they receive. Gladius Insurance Services, LLC offers a competitive Paper Contractors Insurance program that rates solely based on gross sales, making it an excellent fit for accounts with heavy subcontracting and high payroll exposure.
 
Guardian Program Highlights

Program Overview

  • Designed specifically for small general contractors and artisan contractors working in residential and commercial sectors
  • Excellent fit for paper contractors—accounts with no field employees and full subcontracted operations
  • Gross receipts-based rating simplifies underwriting and benefits accounts with large payrolls
  • Backed by United Specialty Insurance Company (A.M. Best rated A8)

Coverage Highlights

  • Artisan minimum premium: $750.00 for most classes
  • GC minimum premium: $1,500.00
  • Roofers minimum premium: $3,000.00
  • Limits available up to $1M/$2M/$2M
  • 15% minimum earned premium
  • Fast 24-hour turnaround on quotes
  • No limitation on work subcontracted out
  • New ventures and risks with lapsed coverage considered

Eligible Classes

Too many to list, but some examples include: roofers, framers, foundation contractors, water and sewer main contractors, swimming pool contractors, plumbers, and—most importantly—paper contractors!

State Availability

This program is available in most states, except for NY, NV, CO, LA, ME, WI, VA, WV, DE, RI, and MA.

Why Work With Gladius Insurance Services?

As an experienced Excess & Surplus Lines Broker, Gladius Insurance Services, LLC understands the unique complexities of contractors and subcontracting risks. Their Paper Contractors Insurance Program provides reliable, fast-turnaround solutions for agents and brokers seeking to place tough-to-fit contractors—especially those heavily reliant on subcontracted labor. Whether you're placing a new venture or a contractor with gaps in coverage, Gladius provides flexible underwriting and responsive service to help you close the deal.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for paper contractors, general contractors, and artisan contractors, especially those who subcontract out most or all of their work.

How is this program rated?

Rating is based solely on gross sales, making it an excellent option for accounts with high payroll or heavy subcontracting.

Are new ventures or businesses with coverage gaps eligible?

Yes, the program considers new ventures and accounts with lapses in prior coverage.

What states is this program available in?

The program is available in most states, excluding NY, NV, CO, LA, ME, WI, VA, WV, DE, RI, and MA.

What is the minimum premium for this program?

Minimum premiums are $750 for most artisan classes, $1,500 for general contractors, and $3,000 for roofers.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Excess & Surplus Lines Broker
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A 8
  • Commission:
    10%
  • Min Premium:
    $1,500.00 for GC's, $3,000 for Roofers and $750.00 on all other classes

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CONTACT INFORMATION

LOCATION

3610 Central Ave, 200
Riverside, CA 92506
877-587-4999
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APPLICATIONS

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Gladius Insurance Services, LLC has other insurance programs like Commercial Auto Insurance.