Joseph Distel & Co. Inc., through The Distel Group, offers a specialized Remodeling Contractors Insurance program designed to meet the needs of both residential and commercial remodeling operations. This streamlined General Liability solution is tailored for agents and brokers seeking reliable coverage options for their contractor clients across New England.
Ideal Accounts and Appetite
Our program focuses on remodeling contractors classified under class code 91300, which conveniently encompasses a broad range of 19 artisan trades. This makes it easier to quote and bind coverage for contractors who perform multiple types of remodeling work. Ideal accounts include:
- Residential and light commercial remodelers
- New ventures entering the remodeling space
- Contractors with mixed operations such as carpentry, drywall, and painting
- Accounts utilizing subcontractors for up to 50% of total costs
Examples of eligible trades include:
- Carpentry (interior, residential, general)
- Ceiling and wall installation
- Drywall, insulation, and plastering
- Painting (interior and exterior)
- Tile, marble, and mosaic work
- Siding and floor covering installation
Additional trades such as electrical, plumbing, and roofing may be considered on a specified basis.
Coverage Highlights and Advantages
This program is written on an occurrence form and includes essential endorsements to meet insureds’ contractual needs:
- Additional Insured endorsement (including blanket options)
- Waiver of Subrogation
- Per Project Aggregate limits
- Property Damage deductible as low as $250
Underwriting Notes and Minimum Premiums
- Minimum premium starts at $750
- Minimum payroll requirement of $20,000
- New ventures are acceptable
- Subcontracted costs up to 50% are eligible
Territories and Availability
This program is currently available in the following states:
- Connecticut (CT)
- Maine (ME)
- Massachusetts (MA)
- New Hampshire (NH)
- Rhode Island (RI)
- Vermont (VT)
Coverage is offered through a variety of carriers with access to both admitted and non-admitted markets, depending on availability. Most of our markets are admitted, which may help satisfy certain project requirements more easily.
Why Work With Joseph Distel & Co. Inc.
As a Managing General Agency and Excess & Surplus Lines Broker, Joseph Distel & Co. Inc. brings deep experience and niche expertise to the artisan contractor space. Our streamlined classification model and online rating capabilities make it easy for agents to quote and bind coverage quickly. Whether you’re working with a seasoned remodeler or a startup contractor, we offer the flexibility, responsiveness, and market access you need to place business confidently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for residential and light commercial remodeling contractors, including those that perform multiple trades such as carpentry, drywall, painting, and tile work. New ventures and contractors with up to 50% subcontracted costs are also eligible.
Is the program available for new ventures?
Yes, new ventures are eligible for coverage under this program, provided they meet the minimum payroll and underwriting criteria.
Are subcontractors allowed under this program?
Yes, accounts with up to 50% of subcontracted costs are eligible. However, subcontractor agreements and insurance requirements will be reviewed during underwriting.
What states is this program available in?
The Remodeling Contractors Insurance program is available in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.
How can I get a quote?
You can obtain a quote using our STAR online comparative rating platform at http://mgastar.com, which allows for fast and efficient processing.
Need help placing an account? Connect with a market specialist.