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Construction & Contractors Insurance Program from Kaigler & Company Kaigler & Company offers a flexible construction and contractors insurance program available nationwide. Designed for accounts that are difficult to place in standard markets, the program pairs experienced underwriting with access to multiple specialty carriers to help you place complex or high-hazard construction risks with confidence. Ideal Accounts and Appetite This program fits both general and trade contractors, especially those that need a specialized market. Typical guidelines include: General contractors with substantial subcontracting (up to 95% subcontracted work) Trade contractors with limited subcontracting (generally up to 20%) Heavy construction and infrastructure contractors with elevated hazard profiles Target classes include roofing, structural steel erection, bridge/street/road and pipeline construction, excavation, millwright services, marine and wet work, cranes and rigging, and high-steel operations. Kaigler & Company will consider both small town trades and large infrastructure contractors when their exposures match the carrier appetites. Coverage Highlights and Advantages The program emphasizes primary general liability and umbrella/excess capacity tailored to construction exposures. Working with multiple carriers allows underwriters to customize limits, endorsements, and terms for operations involving hot work, work at elevation, over-water exposures, heavy equipment, or other elevated hazards. Examples of accounts that may be a good fit: A roofing contractor with prior claim activity that needs a market for renewal. A bridge contractor performing work over water that requires coordinated GL and excess limits. Underwriting Notes and Minimum Premiums Kaigler & Company focuses on “semi-tough” accounts—those that were declined or limited in standard markets but remain insurable with specialized underwriting. Artisan and tradesmen submissions generally begin at a minimum premium of $5,000. Underwriters are comfortable with detailed submissions that include loss runs, safety programs, and subcontractor oversight practices. Territories and Availability The program is available in all 50 states and the District of Columbia. Kaigler & Company can place business in coastal, inland, and remote regions by leveraging non-admitted capacity where appropriate. Why Work With Kaigler & Company? Kaigler & Company combines construction-specific underwriting expertise with access to multiple specialty markets. Their flexible approach and non-admitted options give agents more ways to place higher-risk or unusual accounts. If you need a market for complex construction exposures, Kaigler & Company aims to provide practical solutions and responsive service. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general and trade contractors, including those with higher-risk operations such as roofing, steel erection, marine work, and infrastructure construction. Is this program available in all states?Yes. Kaigler & Company offers this construction program in all 50 states and the District of Columbia. What is the minimum premium for this program?Tradesmen and artisan contractor accounts generally start at a minimum premium of $5,000. Does the program accept accounts with a high percentage of subcontracted work?Yes. The program can accommodate general contractors with up to 95% subcontracted work and trade contractors with up to about 20% subcontracting, depending on the class and other risk factors. What coverage lines are available through this program?Primary general liability and umbrella/excess coverage are the core offerings, with tailored terms for construction-specific exposures. Need help placing an account? Connect with a market specialist.

Contractors Pollution Liability (CPL) insurance helps protect contractors against liabilities arising from pollution incidents related to their work. It covers the costs associated with cleanup, restoration, and legal defense in case of environmental damage caused by the contractor's operations. CPL insurance is particularly relevant for contractors in industries such as construction, excavation, remediation, and waste management, where the risk of pollution incidents is high. This insurance provides contractors with financial protection and helps them meet contractual obligations that often require pollution liability coverage. It is an essential safeguard for contractors, mitigating the potential financial consequences of environmental accidents. Benefits Construction and remediation operations, whether performed by the contractor or subcontractor. Claims alleging improper supervision of subcontractors. Third-party bodily injury. Third-party property and environmental damage. Clean up costs for pollution both on and migrating from the work site. Protection against claims for clean up costs where mandated by a governmental agency. We can help you provide you and your clients with business solutions for the following classes of business: General Contractors Street and Road Contractors Maintenance, Marine and Mechanical Contractors Electrical Contractors Wrecking and Demolition Contractors Trade Plumbing, HVAC and Industrial Contractors Environmental Remediation Contractors Response Action/Emergency Spill Response Contractors Water, Sewer, Pipeline and Communications Contractors Excavation Contractors Concrete Contractors Water Well Drilling Contractors Lawn and Garden Services Contractors Carpet and Upholstery Cleaning Contractors Roofing, Siding and Sheet Metal Work Contractors and more… Highlights Applies to pollution conditions caused by contractors operations. Underwritten on a blanket or project specific basis. Offers coverage to contractors that most standard general liability programs specifically exclude. Coverage can be expanded to include Microbial Matter (mold& fungus), Non Owned Disposal Site Coverage, TPL, Professional Liability, Legal defense and Terrorism Coverage.