J.M. Wilson Corp. offers a focused General Contractors Insurance program built for agents and brokers who need competitive markets for clients engaged in ground-up construction of custom homes and commercial buildings. As a Managing General Agency and E&S broker with access to a range of admitted and non-admitted carriers, we provide flexible solutions for complex construction risks and projects with unique exposures.
Ideal Accounts and Appetite
This program targets general contractors who act as the prime on residential or commercial ground-up construction. Ideal accounts include:
- Custom-home builders and small production home contractors
- Commercial building contractors (low- to mid-rise projects)
- General contractors who manage multiple subcontractors on a single project
We are best suited for clients who accept primary responsibility for project execution, jobsite safety, and subcontractor oversight. Projects with established safety programs and clear subcontractor controls are preferred.
Coverage Highlights and Advantages
Through J.M. Wilson you can access markets that understand construction exposures—from property damage and third-party injury to subcontractor-related liability and project-delay impacts. Program features include:
- Minimum premium starting at $5,000
- Primary liability limits available up to $2 million
- Umbrella/excess liability options for broader limits
Our carrier partners are familiar with jobsite liability, subcontractor exposures, and construction-defect concerns, which helps when negotiating terms and coverage endorsements for difficult risks.
Underwriting Notes and Minimum Premiums
This program is placed through E&S markets on a non-admitted basis. Underwriters evaluate submissions on project scope, subcontractor controls, loss and safety history, and location. The minimum premium generally begins at $5,000 and increases with project size and complexity.
Territories and Availability
Coverage is available in the following states: AL, AR, FL, GA, IL, IN, KS, MI, MO, NC, OH, PA, SC, TN, VA, WV, and WI.
Why Work With J.M. Wilson?
J.M. Wilson brings longstanding relationships with specialty carriers and hands-on underwriting expertise in construction classes. We help agents place accounts that may be difficult in standard markets by offering access to niche appetite, responsive service, and tailored contract language. Our team supports submission strategy, risk presentation, and placement options so you can close more business efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is best for general contractors performing ground-up construction of custom homes or commercial buildings who serve as the primary contractor and manage subcontractors.
Is this program available on an admitted basis?
No. The program is placed on a non-admitted basis through our network of E&S carriers.
What are the coverage limits offered?
Primary liability limits are available up to $2 million, and umbrella/excess options can be offered to increase overall limits.
What is the minimum premium requirement?
Minimum premium for the program typically starts at $5,000, depending on project size, location, and loss history.
In which states is this program available?
This program is offered in AL, AR, FL, GA, IL, IN, KS, MI, MO, NC, OH, PA, SC, TN, VA, WV, and WI.
Need help placing an account? Connect with a market specialist.