General Contractors Insurance Program from Pacific Coast E&S Insurance Services
Getting started in the contracting world takes more than just owning a business—it takes experience, licensing, the right tools, a skilled crew, and most importantly, reliable insurance coverage. At Pacific Coast E&S Insurance Services, we help insurance agents like you find the right markets for your general contractor clients, even when others won’t take the risk.
Since 1996, we’ve specialized in placing hard-to-insure contractor risks across multiple classes. Whether your client is a new venture or a seasoned builder handling large projects, our markets are designed to accommodate a wide range of contractor needs. Our strength lies in our flexibility, in-house underwriting authority, and access to multiple A-rated carriers.
Ideal Accounts and Target Classes
We offer coverage for nearly all types of contractors, including those performing high-risk or specialized work. Our target classes include, but are not limited to:
From small artisan operations to large commercial builders, we have a broad appetite. We do not impose restrictions on tract homes, project size, or percentage of subcontracted work—making this an ideal solution for many hard-to-place accounts.
Coverage Highlights and Advantages
- Commercial general liability limits up to $1M per occurrence / $2M aggregate
- Deductibles as low as $500
- Minimum premiums starting at $1,500
- Non-admitted program with flexible underwriting
- Substantial in-house underwriting authority for fast turnarounds
- Access to multiple A-rated carriers
You might have a client who’s just launched their own roofing business or a residential developer managing several subcontractors—both are great fits for our program. We are comfortable with complex and higher-risk operations that many standard markets avoid.
Underwriting Details and Minimum Premiums
Our minimum premium starts as low as $1,500, with deductibles beginning at $500. We can work with new ventures and established contractors alike. Our in-house underwriters can quickly assess your submission and provide competitive terms with minimal delay.
Territories and Availability
This program is available in California, Oregon, and Washington. We focus on West Coast contractors and understand the unique challenges and regulatory environments in each of these states.
Why Work With Pacific Coast E&S Insurance Services?
As a wholesale broker with over two decades of experience in contractor risks, Pacific Coast E&S Insurance Services brings deep market access and underwriting expertise to every submission. We know the complexities of the general contracting world and are committed to helping agents secure reliable, comprehensive coverage for their clients—no matter how challenging the risk.
Let us help you place your next contractor account. Whether it’s a new venture welder, a high-rise window washer, or a demolition contractor, we can provide quick quotes and responsive service.
Frequently Asked Questions
What types of accounts are a good fit for this General Contractors program?
We target a wide range of contractor classes including general contractors, roofers, remodelers, artisan trades, and even high-risk categories like demolition and oil-related work.
Can new ventures qualify for coverage?
Yes, we are open to new ventures. Our underwriting team evaluates each submission individually and can often provide terms even for startups.
Is subcontracted work allowed under this program?
Yes, there are no restrictions on the amount of work subcontracted. We are comfortable with accounts that have significant subcontractor exposure.
What states is this program available in?
Our General Contractors program is available in California, Oregon, and Washington.
What are the minimum premiums and deductible options?
Minimum premiums start at $1,500, and deductibles can be as low as $500, depending on the risk profile.
Need help placing an account? Connect with a market specialist.
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