MAXIMUM offers a robust Casualty program tailored for a wide range of commercial and industrial contractors, including street and road builders, plumbers, roofers, crane operators, and demolition crews. As a wholesale broker with access to both admitted and non-admitted markets, MAXIMUM is a go-to resource for agents needing flexible casualty solutions in all 50 states.
Whether you're working with a large-scale builder or a niche contractor, MAXIMUM brings deep market access and underwriting expertise to help you place complex and high-exposure risks, including Railroad Protective and Owners & Contractors Protective (OCP) policies.
Ideal Accounts and Appetite
This program is ideal for agents placing coverage for:
- Commercial and industrial contractors
- Bridge, street, and road construction firms
- Crane rental and demolition companies
- Plumbing, roofing, and water/sewer contractors
- Security guard companies
- Product manufacturers and premises risks
- Builders and developers in “Right to Repair” states
Example: You may have a client developing a 200-unit low-rise condo in Florida. MAXIMUM can help you secure project-specific general liability coverage, with wrap-up or non-wrap-up options, tailored for that venue’s legal environment.
Coverage Highlights and Advantages
MAXIMUM’s Casualty program includes access to a wide range of coverage options:
- Wrap-Ups and Single Project policies
- Umbrella and Excess Liability (up to $25MM total limits)
- Extended Products/Completed Operations coverage
- Pollution Liability and Professional Liability
- Miscellaneous Casualty, including EPLI and Hired/Non-Owned Auto
- Liquor Liability and Workers Compensation (online quoting available)
- Railroad Protective and OCP policies
Coverage can be tailored for construction projects with policy periods up to 5 years and retentions ranging from $100,000 to $1,000,000. Excess capacity is available through carriers such as Everest National and Allied World Assurance.
Underwriting Notes and Minimum Premiums
This program is designed for larger and more complex risks. The minimum premium for construction project liability is $400,000. For certain miscellaneous casualty coverages, such as Hired & Non-Owned Auto, the minimum premium starts at $25,000.
Retentions over $250,000 may require a letter of credit. Coverage is available on a project basis or for ongoing operations, depending on the risk class and location.
Territories and Availability
MAXIMUM offers this program across most U.S. states, including high-demand regions like California, Florida, New York, and Texas. Both admitted and non-admitted options are available, depending on the class and location of the risk.
Why Work With MAXIMUM
With deep market access and a focus on specialty construction and casualty risks, MAXIMUM gives agents a competitive edge in placing tough accounts. Their team understands the unique exposures faced by developers, contractors, and manufacturers—and they have the underwriting authority and carrier relationships to deliver solutions quickly.
Whether you’re quoting a high-rise mixed-use development or a specialized contractor needing OCP coverage, MAXIMUM is ready to help you win the business.