https://completemarkets.com/company/legends-environmental-services/Artisan-Contractors-Insurance/
Overview — Artisan Contractors Insurance from Legends Environmental Services
Legends Environmental Services places Artisan & General Contractors Insurance through multiple admitted and non-admitted markets. We combine targeted underwriting with proactive risk transfer and marketing to give agents access to competitive coverage for both general contractors and artisan subcontractors. Our program supports new construction, repair/remodel, residential and commercial work, and condo/townhouse projects.
Ideal Accounts and Appetite
General contractors: Home builders (custom preferred; tract builders up to 25 homes), light commercial GC work, condo and townhome projects (new construction and remodel). Sweet spot is contractors with up to $10M in annual revenue, although larger accounts can be considered.
Subcontractors (inside the envelope): Artisan finish carpenters, plumbers, HVAC, electricians and similar trades performing interior work.
Territory: Program is available in the states listed below (see Territories and Availability). Note: certain states and classes are restricted.
Coverage Highlights and Advantages
Commercial general liability with contractor’s pollution liability (CPL) including mold exposure.
Competitive rates through multiple markets; access to admitted and non-admitted options depending on account characteristics.
Can be silent on subsidence where appropriate.
Covers subcontractor work when written properly.
Defense outside limits may be available for qualifying accounts.
Underwriting Notes and Restrictions
Minimum premiums starting at $4,500; minimum retentions from $2,500.
Maximum limits available up to $2M/$2M/$2M.
Excluded classes: pool contractors, waterproofing, fire sprinkler, elevator contractors, shoring (underpinning and trenching); roofers, framers and foundation contractors are not eligible.
Preferred accounts: interior trades and finish carpentry, mechanical and electrical work performed inside the building envelope. Larger-scale heavy civil or deep foundation work is outside appetite.
Submission requirements often include detailed loss runs, payroll/revenue breakouts by trade, and scope descriptions for new construction or remodel projects.
Territories and Availability
This program is offered by Legends Environmental Services and is available in the following states and territories:
AK, AL, AR, AZ, CA, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC
Admitted status: Most available markets (access to both admitted and non-admitted options through multiple carriers depending on state and account).
Why Place This Business Through Legends Environmental Services
Wholesale broker access: Legends provides direct access to several carrier markets that underwrite artisan and general contractor exposures.
Program flexibility: We design program terms and limits to match contractor exposures — from interior specialty trades to medium-sized general contractors.
Risk management focus: Our approach includes reviewing current and anticipated liabilities to recommend sensible retentions, limits and policy features that support long-term stability for the insured.
Service for agents: We provide clear underwriting guidance and work to place accounts quickly when the risk fits appetite.
Example Accounts That Fit
A custom home builder with $6M in annual revenue seeking combined CGL and CPL coverage, including mold protection for repair work on older homes.
An interior finish contractor (carpentry and trim) performing residential remodels and new townhome interiors looking for a $1–2M general liability program with subcontractor work included.
Underwriting Submissions
When submitting, include a completed application, loss runs for the last five years, payroll and revenue splits by trade, and a short description of job types and average project values. Complex or larger accounts may require supplementary schedules or project-specific information.
Frequently Asked Questions
What types of artisan contractors are a good fit for this program?Trades working inside the building envelope—finish carpenters, plumbers, HVAC, electrical and similar interior trades—are ideal. The program also fits general contractors for small to mid-sized residential and light commercial work.
Are there classes you will not consider?Yes. Pool contractors, waterproofing, fire sprinkler, elevator contractors, shoring (underpinning/trenching) and heavy exterior trades such as roofers, framers and foundation contractors are excluded from this program.
What are the minimum premium and retention levels?Minimum premiums start at $4,500 with minimum retentions beginning at $2,500. Exact pricing and retention options depend on the account’s class, limits and loss history.
Which states is this program available in?The program is available in the states and DC listed above. Availability can vary by market and by whether an admitted or non-admitted placement is required.
Need help placing an account? Connect with a market specialist.
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