Construction & Contractors Insurance Program from Kaigler & Company
Kaigler & Company offers a robust insurance solution for construction and contractor accounts—available in all 50 states. Whether you're working with a standard trade contractor or a complex, high-risk construction operation, Kaigler & Company is positioned to help you place tough-to-insure risks with confidence. With access to six different insurance carriers, each with unique appetites, they provide flexible solutions tailored to a wide range of construction exposures.
Ideal Accounts and Appetite
This program is designed for both general and trade contractors, especially those that may not fit into standard markets. Kaigler & Company is particularly well-suited for:
- General Contractors with up to 95% subcontracted work
- Trade Contractors with no more than 20% subcontracted work
- Heavy construction operations with challenging risk profiles
Target classes include, but are not limited to:
- Roofing and structural steel contractors
- Bridge, street & road, and pipeline construction
- Excavation and millwright services
- Marine and wet work contractors
- Cranes, rigging, and high steel operations
From the small-town carpenter to large-scale infrastructure contractors, Kaigler & Company can help you find a market that fits.
Coverage Highlights and Advantages
The program focuses on general liability and umbrella/excess coverage for complex or high-hazard construction accounts. By working with multiple carriers, Kaigler & Company can customize coverage to fit your client’s unique exposures. Whether your client performs hot work, operates in high elevations, or works over water, there’s likely a solution available.
Example scenarios that may be a good fit:
- You have a roofing contractor with a history of claims that’s struggling to find renewal options.
- Your client is a bridge-building contractor working over water, requiring both GL and excess coverage.
Underwriting Notes and Minimum Premiums
Kaigler & Company seeks “semi-tough” contractor accounts that may have been declined elsewhere. Artisan/tradesmen accounts start at a minimum premium of $5,000. Their underwriting team is experienced with high-hazard risks and can help you navigate submissions that require special attention or nonstandard approaches.
Territories and Availability
This program is available nationwide, including all 50 states and the District of Columbia. Whether your client is based in a coastal state, the Midwest, or a remote region, Kaigler & Company has the reach and resources to help place the business.
Why Work With Kaigler & Company?
Kaigler & Company stands out for its deep expertise in construction insurance and its ability to solve complex placement challenges. With access to multiple carriers and a flexible underwriting approach, they are an ideal partner for agents and brokers looking to place high-risk or unique construction accounts. Their non-admitted market status allows them to accommodate a broader range of risk profiles, giving you more options for your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for general and trade contractors, including those with high-risk operations like roofing, steel erection, marine work, and infrastructure construction.
Is this program available in all states?
Yes, Kaigler & Company offers this construction program in all 50 states and the District of Columbia.
What is the minimum premium for this program?
Tradesmen and artisan contractor accounts start at a minimum premium of $5,000.
Does the program accept accounts with a high percentage of subcontracted work?
Yes. General contractors with up to 95% subcontracted work and trade contractors with no more than 20% subcontracted work are acceptable.
What coverage lines are available through this program?
The program focuses on general liability and umbrella/excess coverage specifically tailored to construction and contractor accounts.
Need help placing an account? Connect with a market specialist.