Overview of the Program From Legends Environmental Services
Legends Environmental Services offers a robust General Contractors Insurance program designed specifically for construction professionals. As a general agency and carrier with deep market access and industry knowledge, Legends brings specialized solutions for a wide range of contractor-related exposures. Whether your client is building custom homes or managing commercial renovations, this program provides the coverage flexibility and underwriting expertise you need to place quality business.
Ideal Accounts and Appetite
This program is tailored for general contractors and eligible subcontractors operating in both residential and commercial construction. Here’s a breakdown of the target classes:
- General Contractors
- Available in all states except NY, NV, CO, and LA
- Custom homebuilders preferred; tract builders allowed up to 25 homes
- Residential, commercial, condos, and townhomes (new construction and remodel)
- Revenue sweet spot is up to $10 million, but larger accounts will be considered
- Subcontractors (Interior Trades Only)
- Includes plumbers, electricians, HVAC, etc.
- Excludes roofers, framers, foundational work, pool contractors, waterproofing, fire sprinklers, elevator work, and shoring
- Accepts both residential and commercial work, including new and remodel projects
Example: You might have a custom homebuilder with annual revenues under $10 million who also manages small condo developments—this account would be an excellent fit.
Coverage Highlights and Advantages
- Includes Contractors Pollution Liability (CPL) with mold coverage
- Competitive rates and terms
- Coverage can be structured for silent subsidence
- Subcontractor work is covered, subject to eligibility
- Potential for defense costs outside the limits
Underwriting Notes and Minimum Premiums
- Minimum premiums start at $4,500
- Minimum retentions begin at $2,500
- Maximum policy limits of $2M/$2M/$2M
This is a non-admitted program with flexible underwriting, allowing you to place accounts that may not fit standard markets.
Territories and Availability
This program is available in most states across the U.S., with the exception of New York, Nevada, Colorado, and Louisiana. Agents can access coverage in states including California, Texas, Florida, Illinois, Washington, and many more.
Why Work With Legends Environmental Services?
Legends Environmental Services brings deep expertise in construction-related risks and access to multiple carriers, making them a reliable partner for hard-to-place or specialized contractor accounts. Their flexible underwriting approach and competitive options make them an excellent choice for agents looking to expand their contractor book with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for general contractors and select subcontractors in residential and commercial construction, especially custom homebuilders and remodelers with revenues under $10 million.
Are subcontractors eligible for coverage?
Yes, subcontractors performing interior trades such as plumbing, HVAC, and electrical work are eligible. However, roofers, framers, and other high-risk trades are excluded.
Is this program available in all states?
No, it is not available in NY, NV, CO, or LA. It is offered in most other states, including CA, TX, FL, IL, and many others.
What are the minimum premium and retention requirements?
The minimum premium starts at $4,500, with retentions beginning at $2,500. These may vary depending on the account specifics.
Does the policy include coverage for pollution or mold?
Yes, Contractors Pollution Liability (CPL) coverage with mold is included, providing valuable protection for environmental exposures.
Need help placing an account? Connect with a market specialist.