ProSight Specialty Insurance’s Specialty Trade Contractors Insurance is a Commercial General Liability and Excess Liability program designed for qualified specialty trade contractors performing remodeling and new construction who subcontract at least 70% of their labor and material costs to appropriately insured subcontractors.
The program is focused on building trades that operate similarly to paper general contractors — contractors with established experience on like projects and strong internal controls for risk transfer, including hold-harmless agreements and naming upstream contractors as additional insureds. ProSight accepts both commercial and residential work when it fits the program appetite.
Features:
The program combines broad CGL coverage with built-in liability extensions commonly excluded or offered only for extra premium by standard carriers. Key coverages and endorsements include:
• Blanket Waiver of Subrogation
• Primary and Non-Contributory wording
• Broad blanket Additional Insured status
• Per-project limits available
These built-in enhancements, together with ProSight’s risk control and claims professionals, help contractors manage liability exposures and protect the business they’ve worked to build.
Limits:
Primary General Liability limits and excess capacity up to $5 million.
Ideal Accounts and Appetite
This program is intended for specialty trade contractors who:
- Perform residential or commercial remodeling and new construction;
- Subcontract at least 70% of labor and material costs to insured subcontractors;
- Maintain written contracts, hold-harmless provisions, and additional insured requirements;
- Have demonstrated experience on comparable projects and established loss control practices.
What typically does not fit: contractors who self-perform the majority of work, high-hazard trades without appropriate controls, operations with repeated or large professional exposure, or accounts with unaddressed catastrophic loss history. Project-specific high hazard operations may be considered case-by-case with underwriting approval.
Underwriting Notes
Underwriters will review contracting practices, subcontractor insurance verification, contract language (AI and waiver requirements), project types, and loss history. Strong documentation of subcontractor certificates, signed contracts with upstream parties, and written risk transfer procedures speeds placement. Minimum premiums and specific terms vary by state and account characteristics — submit complete ACORDs, current loss runs, and sample contracts when possible.
Territories and Availability
Available through ProSight Specialty.com and its appointed wholesaler channels in these states: AL, AK, AR, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NY, NC, OH, RI, SC, TN, VT, VA, WA, DC, WI. Availability and admitted vs. non-admitted status can vary by state — confirm market appetite and admitted options with ProSight underwriting for the specific state.
Why Place This Business with ProSight
ProSight’s program combines construction expertise with built-in CGL enhancements that address common contract and upstream exposure concerns for specialty trade contractors. The program is underwritten with construction-focused guidelines and supported by claims and risk control resources familiar with contractor exposures.
Example placements
You might have a client who is a residential remodeling contractor that subcontracts all trade work and requires primary/non-contributory and broad additional insured wording for homeowner associations and developer clients. Another good fit could be a commercial millwork installer that performs installation only and names general contractors as additional insureds on multiple projects — the program’s per-project limits and blanket endorsements address these exposures.
Frequently Asked Questions
What types of accounts are a good fit for ProSight’s Specialty Trade Contractors program?
Contractors who perform remodeling or new construction and subcontract at least 70% of labor and materials to insured subs, maintain written contracts with risk transfer language, and have stable loss history and documented subcontractor verification.
Is the 70% subcontracting requirement strict?
Yes — the program targets accounts where the majority of work is subcontracted. Accounts that self-perform most work are usually outside the appetite unless approved by underwriting on a case-by-case basis.
Which built-in endorsements are included?
Common built-ins include blanket waiver of subrogation, primary and non-contributory wording, broad blanket additional insured, and options for per-project limits. Exact language and availability depend on the state and policy form.
How should agents submit for consideration?
Provide a complete submission with ACORD applications, current loss runs, contracts showing subcontracting percentages and additional insured/waiver language, and subcontractor certificate procedures. Complete submissions help expedite underwriting review.
Need help placing an account? Connect with a market specialist.