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It takes more than blueprints to turn a project into reality. Construction work demands experienced people, the right equipment, careful coordination—and the right insurance program to protect the operation, the client, and the bottom line. Contractors face many third-party exposures from on-site injuries to property damage; a focused General Liability program helps manage those risks. Introducing the Guardian Program from American Team Managers (ATM) ATM’s Guardian Program is purpose-built to provide General Liability coverage for Developers, General Contractors, and Subcontractors. Tailored to construction industry exposures, the program combines meaningful coverage features with flexible underwriting so you can place quality accounts confidently. Ideal Accounts and Eligibility The Guardian Program is available to insureds that meet the following criteria: • Must be a Developer, General Contractor, or Subcontractor • Must hold a valid contractor’s license issued by the state(s) where work is performed (when applicable) • Must have at least three (3) years of experience in the trades to be insured • Accounts with less than two (2) full years in business must provide a resume of experience • New ventures are considered, subject to a minimum 5% surcharge • No limitation on the amount of work subcontracted to others You might have a client who is a licensed subcontractor that specializes in tenant improvements, or a general contractor managing mixed-use commercial renovations. Those kinds of residential and light-commercial accounts are often a good fit for Guardian. Coverage Highlights With the Guardian Program, your clients receive broad General Liability protection plus practical, broker-friendly features: • Simple online application for fast submissions • Competitive rates and low down payment (15%) • Blanket Additional Insured included • Credits available for loss-free accounts • Discounted endorsement bundles to tailor coverage • Quick indications and option for up to $25,000 deductible / SIR Underwriting Appetite and Restrictions Guardian is designed to be selective — it targets typical contractor exposures while excluding higher-hazard work. Important exclusions include: • Asbestos, mold, lead & formaldehyde • Montrose exclusion (specified environmental exposures) • EIFS (synthetic stucco) • Punitive damages • New tract homes • Condo & townhome subsidence exposures • Work for HOA & condo associations • Exterior work above three stories or 40 feet • Overspray and action over claims *Unless endorsed onto the policy These exclusions help keep pricing competitive for standard renovation, tenant improvement, and light-commercial trades while steering clear of high-severity classes. Program Availability and Carrier The Guardian Program is non-admitted and placed through United Specialty. It is available in the following states: AK, AZ, CA, FL, GA, IL, KS, MN, MO, NJ, OH, OK, OR, PA, TN, TX, WA If you need placement outside these states or an admitted option, contact ATM for guidance on alternatives. Why Work With American Team Managers? As a program administrator with deep construction underwriting experience, American Team Managers offers brokers a streamlined way to place challenging contractor accounts. ATM delivers quick indications, responsive underwriting, and a product structured for the realities of contractor risk — making it easier for you to win and retain clients in the trades. To learn more or to receive a quote valid for 30 days, contact ATM’s underwriting team today. Frequently Asked Questions What types of accounts are a good fit for the Guardian Program?Developers, General Contractors, and Subcontractors with proper licensing and at least three years of trade experience are ideal. Residential renovations, tenant improvements, and light commercial construction are commonly accepted classes. Can I submit a new venture to this program?Yes. New ventures are eligible but will be subject to a minimum 5% surcharge. Accounts in business less than two years must provide a resume of prior experience. What are some common exclusions in the Guardian Program?Key exclusions include EIFS, new tract homes, condo/HOA work, exterior work above 40 feet, and environmental hazards like mold or asbestos — unless those exposures are specifically endorsed onto the policy. Is there a limit to how much work can be subcontracted?No. Guardian does not impose a limitation on the percentage of work subcontracted to others. How quickly can I get an indication or quote?ATM provides quick indications and a streamlined online application. Quotes issued are typically valid for 30 days. Need help placing an account? Connect with a market specialist.