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BindDesk offers a suite of Contractor's General Liability Insurance programs designed for agents who need flexible admitted and non-admitted placement options. These programs are built to handle common small artisan exposures through larger contractor needs, including prior-work exposures, tract work, condo/HOA remodeling, roofing, and hard-to-place classes that benefit from specialized underwriting and alternative markets. Overview of the Program From BindDesk BindDesk is a wholesale broker providing access to multiple targeted contractor liability programs. We place business with admitted carriers, non-admitted markets, and specialty RRGs to give agents options when standard markets decline or price is unfavorable. Each program below reflects specific underwriting appetites and capacity—so you can match clients to the best fit quickly. SMALL ARTISAN PROGRAM This program is aimed at one- to five-person artisan operations that need broad General Liability at competitive pricing. Key features include prior-work coverage, tract work availability for non-structural jobs, and no sub-out limitations in many classes. Ideal for painters, carpenters, tile installers, landscapers, and similar trades. Rated A VII – Non-Admitted. ARTISAN & GENERAL CONTRACTOR PROGRAM Designed for speed and price, this option covers most artisan classes and many general contractors. It offers competitive roofing rates, a sub-limit for uninsured subcontractors, and allows HOA/remodeling work when tied to maintenance or renovations. Good for general contractors who perform mixed small-to-mid size renovation and repair work. Rated A XI – Non-Admitted. BUILDERS PROGRAM An admitted product for builders and developers who need a market that will write tract work, condo projects, BPP and tool coverage, and homeowners’ nominal owner approval (HNOA) features. This program combines admitted paper and competitive pricing for construction exposures that qualify. Admitted A XI. LARGE CONTRACTOR'S PROGRAM For larger contractors with broader limits and more complex exposures. This program supports prior work, tract work for most non-structural classes, and EIFS work when approved. It’s intended for established contractors with documented safety programs and proven loss control. Rated XV – Non-Admitted. GOLDEN Golden is a risk retention group (RRG) that reviews accounts that may not fit standard admitted or non-admitted products. It’s useful for select hard-to-place accounts where alternative capacity is required. B Rated RRG. BENCHMARK Benchmark targets difficult risks that don’t easily fit traditional non-admitted products. It can handle condo work, tract work, and many classes other markets decline—typically at a higher premium but with broader acceptance and flexible terms. Rated A- Admitted. Ideal Accounts and Appetite BindDesk’s contractor programs suit a wide range of accounts: - Small artisan contractors looking for affordable GL with prior-work included. - General contractors and remodelers needing HOA/condo work and roofing capacity. - Builders and developers requiring admitted paper for tract and condo projects. - Larger contractors that need expanded prior-work and EIFS coverage (with approval). - Hard-to-place contractors who need RRG or specialty admitted solutions. Coverage Highlights and Advantages - Prior-work coverage available in multiple programs. - Tract work and condo/HOA remodeling acceptance in admitted and non-admitted forms. - Roofing classes with competitive rates in Artisan & General Contractor program. - Options for tools, business personal property (BPP), and HNOA in Builders product. - Sub-limits that address uninsured subcontractor exposures. - Access to specialty RRG and Benchmark admitted solutions for difficult placements. Underwriting Notes and Minimum Premiums Underwriting reviews focus on class code(s), payroll/receipts, loss history, safety controls, and scope of prior work. Minimum premium varies by program and state—BindDesk will quote minimums per submission. High hazard trades, heavy civil/structural work, or accounts lacking documentation may require referral to specialty underwriters or the RRG product. Territories and Availability Available across the following jurisdictions: AL, AK, AZ, AR, CT, DE, FL, GA, ID, IL, KS, KY, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, RI, SC, SD, TN, TX, UT, VT, WA, DC, WI, WY. BindDesk can place business with admitted and non-admitted carriers depending on the program and state requirements. Why Work With BindDesk As a wholesale broker, BindDesk gives agents access to multiple tailored contractor markets from a single point of contact. Agents benefit from: - Speed and choice: admitted and non-admitted options to get renewals bound or hard placements placed quickly. - Specialized underwriting that understands trade-specific exposures. - Programs designed to retain business you might otherwise lose to non-placement. You might have a client who is an HOA contractor needing prior-work coverage and tract acceptance—BindDesk can evaluate which program (admitted Builders vs. Artisan & General) will produce the best combination of price and terms. Or, for a busy roofing contractor with mixed subcontracting, BindDesk can place with programs that offer roofing rates and uninsured sub limits. Frequently Asked Questions What types of contractor accounts are a good fit for BindDesk’s programs?BindDesk handles a range of contractor accounts—from small artisans (painters, carpenters, landscapers) to larger general contractors and builders. Programs exist for roofing, HOA/condo remodeling, tract work, builders risk adjuncts like tools and BPP, and hard-to-place risks via RRG or Benchmark admitted products. Are these programs admitted or non-admitted, and does that vary by state?BindDesk offers both admitted and non-admitted options. Availability depends on the specific program and state. The Builders and Benchmark products include admitted paper in many jurisdictions, while Artisan and larger contractor programs commonly include non-admitted markets. Submission review will identify the best admitted/non-admitted solution for the state involved. What submission materials does underwriting typically require?Underwriters usually need a current application, loss runs (three to five years preferred), class codes and payroll/receipts, copies of contracts for larger projects, and any safety or risk control documentation. For roofing or EIFS work, additional detail on scope and subcontracting may be requested. How are minimum premiums and binding timelines handled?Minimum premiums vary by program and state. BindDesk will confirm minimums on quote. Binding timelines depend on the program and completeness of the submission; simple artisan accounts can often be quoted quickly, while large or hard-to-place accounts may require additional review and longer underwriting time. Need help placing an account? Connect with a market specialist.

Coverages include, but are not limited to: General Liability Excess Liability Professional Liability (E&O) Pollution Liability Contractors Insurance Program from Ck Specialty Insurance Associates, Inc. Ck Specialty Insurance Associates, Inc. offers a Contractors Insurance program built for independent agents and brokers placing contractor risks across a broad range of classes. As a Western-based, family-owned MGA and surplus lines broker, Ck Specialty provides flexible market access and underwriting support to help you place complex or hard-to-place contractor accounts in Idaho, Nevada, and Washington. Ideal Accounts and Appetite This program fits both residential and commercial contractors—from small artisan trades to larger general contractors handling new construction, remodels, and specialty projects. Typical classes include: Remodel contractors Artisan contractors (electrical, plumbing, carpentry, etc.) General contractors Commercial contractors Residential contractors (new construction and remodel) Example fits: a residential contractor specializing in high-end urban remodels or a general contractor managing mixed-use commercial builds—both are commonly placed through this program. Coverage Highlights and Available Endorsements The program offers a broad set of coverages to address common and niche contractor exposures, including General Liability, Excess Liability, Professional Liability (E&O), and Pollution Liability. Key endorsements available to tailor terms: Blanket Additional Insureds Primary / Non-Contributory wording Waiver of Subrogation Per-Project Aggregate Completed Operations for Additional Insureds Stop Gap Underwriting Notes and Minimum Premiums Ck Specialty works with multiple A-rated surplus lines carriers and offers both in-house binding authority and brokerage market access depending on the risk. The program is designed with low minimum premiums to accommodate smaller contractors and artisan trades; actual minimums vary by class and coverage selection. Underwriting highlights and typical restrictions: Focus on Western U.S. contractor classes (ID, NV, WA). Non-admitted placement allows flexible terms for elevated or unusual exposures. Higher-hazard trades or contractors with significant prior loss activity may require additional review or placement in specialty markets. Territories and Availability This Contractors Insurance program is available in Idaho, Nevada, and Washington. Policies are placed through non-admitted markets, which gives you more flexibility to structure coverage and endorsements than many admitted options. Why Work with Ck Specialty Insurance Associates, Inc.? Ck Specialty brings regional market knowledge and strong carrier relationships across surplus lines markets. Their underwriting team provides responsive, practical guidance to help you place difficult accounts, and in-house binding authority speeds turnaround when quick coverage is needed. For agents working in the Western U.S., Ck Specialty is positioned as a partner for contractor business that requires tailored terms or non-standard solutions. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?Good fits include general contractors, artisan trades, and residential or commercial remodelers operating in ID, NV, and WA. Is this a non-admitted program?Yes. Coverage is placed through surplus lines markets to allow underwriting flexibility for harder-to-place risks. What is the minimum premium for this program?Minimum premiums vary by class and coverage, but the program is structured to accommodate low minimums for smaller contractors and artisans. Are there in-house binding capabilities?Yes. Ck Specialty offers in-house binding authority and also places business through brokerage markets when appropriate. Can I get coverage for pollution or E&O exposures?Yes. Pollution Liability and Professional Liability (E&O) are available as part of the program’s offerings. Need help placing an account? Connect with a market specialist.