Overview of the Program From M.J. Hall & Company
M.J. Hall & Company, Inc. is a trusted Excess & Surplus Lines Broker offering access to Contractors Liability Insurance through a variety of carriers. This program is designed to help insurance agents place liability coverage for a broad range of artisan, service, and light commercial contractors. Whether your client is working on residential remodeling or commercial tenant improvements, M.J. Hall provides flexible solutions that help protect against third-party injuries, property damage, and more.
Ideal Accounts and Appetite
This program is a strong fit for small to mid-sized contractors operating in remodeling, repair, and service trades. Eligible classes include:
- Cabinet installers
- Commercial tenant improvement contractors
- Concrete and paving contractors
- Driveway and parking lot resurfacing
- Electricians and electrical contractors
- Flooring installers (carpet, tile, wood, etc.)
- General handyman services
- HVAC contractors
- Janitorial services (including floor waxing)
- Interior remodelers
- Landscape and lawn care professionals
- Plastering contractors, including pool plastering
- Plumbing contractors
- Room addition specialists
- Swimming pool maintenance providers
If you have clients who are involved in residential upgrades, service calls, or light commercial contracting, this program offers the liability protection they need to secure jobs and meet contract requirements.
Coverage Highlights and Advantages
The Contractors Liability Insurance program from M.J. Hall offers flexible underwriting and broad eligibility for many contractor classes. Coverage typically includes general liability for bodily injury and property damage, with options for additional endorsements based on your insured’s operations. This program is suitable for both project-specific and ongoing contractor needs.
Key advantages include:
- Access to multiple carriers for competitive placement
- Support for hard-to-place or unique risks
- Coverage for both residential and commercial contractor operations
- Responsive underwriting and broker support
Underwriting Notes and Minimum Premiums
Minimum premiums generally start at $500 or higher, depending on class and exposure. Submissions should include completed applications and details on operations, experience, and any prior losses. M.J. Hall works closely with agents to ensure submissions are reviewed promptly and efficiently.
Territories and Availability
This program is available in the following states: Alaska, Arizona, California, Hawaii, and Nevada. Admitted markets are available in some states, while others may be placed on a non-admitted basis through approved surplus lines carriers.
Why Work With M.J. Hall on This Business
M.J. Hall & Company has decades of experience helping agents place contractors and specialty liability risks. As a leading E&S broker, they provide access to markets that support flexibility, innovation, and responsiveness. Whether you're dealing with a first-time business owner or a seasoned contractor with unique exposures, M.J. Hall can help you find the right liability solution.
Contact [email protected] for appointment information. Our team is ready to help you grow your contractor book of business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for residential and light commercial contractors such as electricians, plumbers, remodelers, and landscapers performing repair, service, or improvement work.
Is this coverage available on an admitted basis?
Admitted coverage is available in some states. In others, coverage is offered through approved non-admitted markets.
What states is this program available in?
Contractors Liability Insurance from M.J. Hall is available in AK, AZ, CA, HI, and NV.
What is the minimum premium for this program?
Minimum premiums typically start at $500 or higher, depending on the contractor class and exposure.
How do I submit a risk or get an appointment?
You can contact M.J. Hall by emailing [email protected] to discuss appointments and submission guidelines.
Need help placing an account? Connect with a market specialist.