Contractors Insurance

Contractors Insurance Program from Superior Access

Independent agents and brokers can rely on Superior Access Insurance Services, Inc. to help place a wide range of contractor risks. Our Contractors Insurance program is designed to address the everyday exposures that general and specialty contractors face on the job, offering broad protection and flexible underwriting options. As a wholesale broker, we provide access to multiple carriers, helping you find the right fit for your client’s unique needs.

Ideal Accounts and Appetite

This program is an excellent fit for small to mid-sized contractors operating in residential, commercial, and light industrial sectors. We can help you place accounts including:

• General contractors
• Electricians
• Plumbers
• HVAC contractors
• Landscapers and irrigation contractors
• Painting and drywall contractors

Whether your client is a solo operator or oversees a small crew, we can help provide coverage that meets their operational demands and contractual requirements.

Coverage Highlights and Advantages

Our Contractors Insurance program helps protect your clients from a wide array of job site and operational risks, including:

• Liability from accidents: Coverage for third-party bodily injury and property damage claims.
• Contractual liability: Protection for liabilities assumed under contracts or agreements.
• Products-completed operations: Coverage for issues arising from work completed by the contractor.
• Employee-caused liability: Protection when an employee’s actions cause damage or injury on the job.

Coverage can be tailored based on your client’s trade, project size, and operational scope. Additional enhancements may be available depending on the carrier.

Underwriting Notes and Minimum Premiums

Minimum premiums vary based on the contractor’s trade, size, and loss history. Our underwriting team works closely with agents to evaluate each submission on its own merits. Clean risks with experience and safety protocols in place are preferred, though newer businesses may also be considered.

We aim to provide quick turnarounds and responsive service so you can deliver timely quotes to your clients.

Territories and Availability

This program is available in most states across the U.S., including key markets like CA, TX, FL, NY, and IL. We currently offer access in the following 50 jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.

Admitted status varies by state and carrier, with many options available on an admitted basis.

Why Work With Superior Access?

Superior Access has built a strong reputation as a trusted wholesale broker with deep expertise in contractor and artisan trades. Our access to multiple carriers allows us to offer competitive solutions for a wide range of contractor classes. We make it easy for you to submit risks, get quotes, and bind coverage efficiently.

Whether you’re working with a general contractor starting a new residential build or a subcontractor bidding on commercial jobs, our Contractors Insurance program gives you the flexibility and support to meet your client’s coverage needs.