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Let The Distel Group, a division of Joseph Distel & Co. Inc., help you place your next General Contractors Insurance account. As a seasoned Managing General Agency and E&S Lines Broker, we specialize in providing flexible and competitive insurance solutions for general contractors involved in both commercial and residential construction projects. Our program is tailored for contractors who manage or supervise new construction or remodeling work, whether directly or through insured subcontractors across various trades. Ideal Accounts and Appetite This program is designed for general contractors who maintain administrative or supervisory control over building operations. Accounts that typically fit include: General contractors overseeing residential or light commercial construction Contractors involved in new builds, remodels, or tenant improvements Operations using insured subcontractors across multiple trades Firms with a solid risk management approach and clear contractual risk transfer practices We are not a market for contractors with heavy structural work exposures, ground-up high-rise construction, or accounts with significant loss history. Coverage Highlights and Advantages Commercial General Liability (CGL): Primary limits up to $3,000,000 Occurrence / Aggregate Per Project Aggregate available Excess or Umbrella limits available up to $25,000,000 Included at no additional charge: $5,000 Medical Payments Coverage Blanket Additional Insureds when required by contract, written agreement, or permit Primary and Noncontributory wording (CG 20 33) Blanket Waiver of Subrogation per written agreement Property Coverage Options: Building and Business Personal Property Business Income (BI) Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Contractor’s Equipment and Inland Marine Equipment Breakdown, Accounts Receivable, Computer Equipment Outside Signs and Valuable Papers Crime Coverage: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property Loss Outside the Premises Underwriting Notes and Minimum Premiums Our minimum premium is typically $750, making this an ideal solution for small to mid-sized general contracting firms. We evaluate each risk individually and work with you to find a solution that aligns with your client’s operations and coverage needs. You might have a client who oversees small commercial tenant fit-outs and uses subcontractors for plumbing, electrical, and drywall. Or perhaps a residential remodeler expanding into new construction—both are great fits for this program. Territories and Availability This program is available in the following states: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. We work with a variety of carriers in both admitted and non-admitted markets, allowing us to tailor solutions specific to your client’s location and risk profile. Why Work With Joseph Distel & Co. Inc. With decades of experience and strong carrier relationships, The Distel Group delivers underwriting expertise and responsive service for agents and brokers seeking competitive coverage for general contractors. Our ability to package Property and Liability on a monoline or package basis gives you flexibility when placing business, and our built-in endorsements provide added value at no extra cost. Frequently Asked Questions What types of accounts are a good fit for this program?We are best suited for general contractors involved in residential or light commercial work who supervise insured subcontractors. Remodelers, tenant improvement contractors, and builders managing small-to-mid sized projects are ideal. Is this program available on an admitted basis?We offer access to both admitted and non-admitted markets, depending on the risk profile and state. Most markets are available, providing flexibility in placement. What is the minimum premium for this program?The typical minimum premium is $750, making it accessible for smaller contractors or those just expanding their operations. Can I get blanket additional insureds and waiver of subrogation included?Yes, both blanket additional insureds and blanket waiver of subrogation are included at no additional charge, provided there is a written agreement in place. What states is this program available in?This program is currently available in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Need help placing an account? Connect with a market specialist.