Overview — General Contractors Insurance from Gorst & Compass Insurance
Gorst & Compass places general contractor risks through a targeted wholesale program designed for commercial and residential general contractors. The program supports both claims-made and occurrence CGL forms, provides limits up to $1M per occurrence / $2M aggregate, and includes important coverages such as subcontractor work, and insured/uninsured & underinsured motorist protection where applicable. We combine market access with underwriting expertise to help you place standard and harder-to-place construction accounts.
Ideal Accounts and Appetite
• General contractors — residential and commercial projects
• New ventures and start-ups are eligible
• Roofing contractors — acceptable for projects approximately 3–5 stories
• Subcontractor operations included under the program’s scope
Coverage Highlights and Advantages
• Subcontractor work covered; includes insured, uninsured and underinsured exposures where applicable.
• Choice of Claims-Made and Occurrence CGL forms to meet project and client needs.
• Limits available to $1,000,000 per occurrence / $2,000,000 aggregate.
• Access to both admitted and non-admitted carriers, improving placement options for marginal or specialty risks.
• Fast quoting turnaround and low minimum premium options to help win smaller accounts.
Underwriting Notes and Submission Tips
For best results include completed application, current loss runs (if any), revenue or payroll breakdown by class, and details on project types and contract terms. Roofing work up to 3–5 stories is acceptable; unusual exposures, heavy civil, environmental hazards, or large speculative high-rise projects should be submitted for prior review. Minimum premium varies by carrier and state — submit for a firm indication.
Territories and Filings
The program places accounts in most available states and offers both admitted and non-admitted capacity. California is included in the program territory. Market and form availability may vary by state and specific risk characteristics.
Why Work With Gorst & Compass Insurance on This Business
As a wholesale broker, Gorst & Compass specializes in construction placements and maintains relationships with contractor-focused insurers. We provide quick indications, flexible placement options (admitted and non-admitted), and dedicated underwriting attention for accounts that need referral to specialty programs. Our team can help package terms to be competitive while addressing contractor exposures such as subcontractor operations and auto liability for on-site operations.
Example Accounts That Fit This Program
• A residential general contractor that handles new single-family and small multifamily projects, requires subcontractor coverage and prefers occurrence CGL — good fit for admitted or non-admitted placement.
• A roofing contractor doing low-rise commercial and multi-family work (3–5 stories) with limited prior experience — eligible as a new venture submission.
Frequently Asked Questions
What classes are a good fit for the General Contractors Insurance program?
General contractors doing residential and commercial work are primary targets. The program also accepts new ventures and many roofing contractors (approximately 3–5 stories). Specialty or heavy civil operations may require referral.
Does the program offer both claims-made and occurrence forms?
Yes. Gorst & Compass can place accounts on either claims-made or occurrence CGL forms depending on carrier capacity and the insured’s needs.
Are subcontractor operations covered?
Subcontractor work is included in the program’s scope. Be sure to disclose the use of subcontractors and any subcontractor certificates or hold-harmless arrangements at submission.
Is this program available in California and other states?
The program writes in most states and includes California. Coverage options and admitted/non-admitted availability vary by state and carrier.
What do you need to submit for a fast quote?
Provide a completed application, recent loss runs (if any), and revenue or payroll by class. Project details and contract values help underwriters quickly assess placement options.
Need help placing an account? Connect with a market specialist.