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Contractors Insurance — BSR Insurance BSR Insurance offers a Contractors Insurance program designed for independent agents and brokers who need flexible, high-capacity coverage for commercial, industrial, and incidental residential construction and artisan contractors. As a General Agency and Excess & Surplus Lines Broker, BSR places coverage with Liberty International Underwriters to handle complex or non-standard contractor risks that may not fit standard admitted markets. Overview of the Program This program targets contractors of many sizes and scopes, from small artisan trades to larger commercial builders. It supports both residential and commercial construction exposures and is built to handle accounts with robust receipts (up to $35 million) and varied operations across more than 200 eligible classes. Ideal Accounts and Appetite Artisan contractors and subcontractors performing commercial, industrial, or incidental residential work Residential and commercial general contractors with mixed operations Accounts with large payrolls or receipts (up to $35M), specialty trades, and niche exposures Programs that require flexible subcontractor considerations — 100% insured and uninsured subcontractors are acceptable Builders or contractors without tract-home limitations Coverage Highlights and Advantages General liability and customizable packages suitable for construction operations Commercial auto can be included for artisan contractors (coverage available for up to 15 power units) Wide class appetite — over 200 classes available to insure a broad range of trade exposures Accepts accounts with insured or uninsured subcontractors, helping agents place difficult exposures Capacity for large receipts and more complex operations Underwriting Notes and Minimum Premium Underwriting is done through BSR Insurance as an E&S wholesaler, with placements through Liberty International Underwriters. Minimum premiums start at $500. While the program is flexible, accounts are evaluated on operations, safety controls, loss history, and contract language. Typical factors that may affect acceptability include high-hazard operations outside the program’s class appetite and operations with insufficient risk controls. Territories and Availability This Contractors Insurance program is handled on a non-admitted (E&S) basis and is available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Example Accounts That Fit A mid-sized masonry subcontractor with $4–6M in annual receipts, several insured subcontractors on site, and multiple commercial job locations. An artisan contractor who needs both general liability and commercial auto coverage for up to a dozen light-duty pickup and service vehicles. Why Work With BSR Insurance BSR brings targeted E&S placement expertise and established access to Liberty International Underwriters, making it a strong option when admitted markets limit capacity or terms. Agents benefit from a broad class appetite, the ability to handle complex subcontractor situations, and a minimum premium structure that supports smaller accounts as well as larger programs. Contact us for your Contractors Insurance needs! Frequently Asked Questions What types of contractor accounts are a good fit for this program?Accounts that generally fit include artisan trades, specialty subcontractors, and general contractors working on residential and commercial projects — especially those needing flexible subcontractor terms or higher receipts (up to $35M). The program handles over 200 classes, so many non-standard trades can be considered. Can commercial auto be included with the Contractors Insurance package?Yes. Commercial auto coverage can be added for artisan contractors and supports up to 15 power units under this program. How does the program treat subcontractors?BSR’s program accepts 100% insured subcontractors and also permits uninsured subcontractors under the policy terms, which helps place accounts where subcontractor coverage documentation may be incomplete. What are the submission requirements and minimum premium?Submissions should include operations details, loss runs, payroll/receipts, and vehicle schedules when auto is requested. The program’s minimum premium is $500; final terms depend on underwriting review. Is this an admitted program and where is it available?This program is offered through BSR as an Excess & Surplus Lines placement and is available in the states and DC listed in the program description. Availability and final terms are subject to state surplus lines rules and underwriting. Need help placing an account? Connect with a market specialist.

Target Classes: Pharmaceuticals & Biotech Products Medical Devices / Products Biologics (Animal & Human) Nutraceuticals Human Clinical Trials Overview of the Life Sciences Program from BSR Insurance BSR Insurance provides a focused Life Sciences Insurance program for agents placing product, professional and clinical-trial exposures for companies operating in the pharmaceutical, biotech, medical device and nutraceutical sectors. As an Excess & Surplus (E&S) lines broker, BSR leverages relationships with multiple non-admitted carriers to structure flexible terms for hard-to-place, highly regulated and emerging risks. Ideal Accounts and Appetite This program fits a broad range of life sciences businesses, including early-stage R&D firms through mid-sized manufacturers and distributors. Typical eligible accounts include: Pharmaceutical and biotech R&D and manufacturing Medical device development, manufacturing and distribution Human and animal biologics Nutraceutical manufacturers and distributors Human clinical trials based in the U.S. (domestic only) Restricted or ineligible risks include products containing Ephedra and any foreign clinical trial activity. If you have a client launching a novel medical device or preparing for first-in-human studies, BSR can help place those higher-exposure accounts through creative E&S solutions. Coverage Highlights and Advantages Products Liability, General Liability and Professional Liability (typically Claims-Made) Occurrence-form coverage available for limited classes Limits up to $5 million (available on a primary or excess basis) Flexible deductible and Self-Insured Retention (SIR) structures Unsupported excess capacity available Vendor’s coverage can be included Prior Acts (retroactive) coverage offered where appropriate These features help protect insureds against third-party claims arising from product defects, design or manufacturing errors, and professional errors during clinical development. Underwriting Notes and Minimum Premiums Underwriting focuses on product risk profile, clinical trial phase and controls, manufacturing practices, and distribution channels. Minimum premium for placements typically starts at $4,500, with many accounts averaging near $20,000 depending on exposures, limits and attachment points. Common deductible levels are $2,500–$5,000, while minimum SIRs generally start at $25,000. Territories and Availability BSR writes this Life Sciences program on a non-admitted basis across most U.S. states, including: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With BSR Insurance? BSR combines life sciences industry knowledge with broad access to E&S markets, making it a practical partner for agents placing complex or non-standard accounts. Their underwriting team is experienced in evaluating emerging technologies and tailoring terms—whether a client needs primary limits, excess capacity, prior acts protection, or customized SIR structures. Example scenarios that fit well: You represent a biotech start-up advancing to Phase I human trials that needs professional liability and product liability with prior acts coverage for prior research. You have a mid-market medical device manufacturer seeking primary limits and an unsupported excess layer to cover new distribution channels. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include pharmaceutical and biotech companies, medical device manufacturers, nutraceutical firms, and organizations conducting U.S.-based human clinical trials. Is coverage available for foreign clinical trials?No. This program excludes foreign clinical trials; only clinical trial exposures within the United States are eligible. What liability limits are available?Limits up to $5 million are available on a primary or excess basis. Unsupported excess options may also be offered depending on the placement. What are common deductible and SIR options?Deductibles commonly range from $2,500 to $5,000. Minimum SIRs typically start at $25,000, subject to risk characteristics. Is this program admitted or non-admitted?This program is placed on a non-admitted basis through various E&S carriers across most U.S. states. Need help placing an account? Connect with a market specialist.