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M.J. Hall & Company now offers comprehensive Contractors Liability Insurance tailored to a broad range of residential and commercial service contractors. REMODELING, REPAIR and SERVICE CONTRACTORS LIABILITY INSURANCE Overview of the Program From M.J. Hall & Company M.J. Hall & Company, Inc. is an experienced Excess & Surplus Lines broker providing access to Contractors Liability Insurance through multiple admitted and non-admitted carriers. This program helps agents place liability coverage for a wide spectrum of artisan, service, and light commercial contractors. Whether the insured performs residential remodeling or commercial tenant improvements, M.J. Hall offers flexible solutions to help manage third-party injury and property damage exposure and meet contract insurance requirements. Ideal Accounts and Appetite This program fits small- to mid-sized contractors in remodeling, repair, and service trades. Representative eligible classes include: Cabinet installers Commercial tenant improvement contractors Concrete and paving contractors Driveway and parking lot resurfacing Electricians and electrical contractors Flooring installers (carpet, tile, wood, etc.) General handyman services HVAC contractors Janitorial services (including floor waxing) Interior remodelers Landscape and lawn care professionals Plastering contractors, including pool plastering Plumbing contractors Room addition specialists Swimming pool maintenance providers In short: if your client is performing residential upgrades, routine service calls, or light commercial contracting, this program is designed to provide the liability protection needed to win jobs and satisfy contractual requirements. Coverage Highlights and Advantages The Contractors Liability Insurance program provides primary general liability for bodily injury and property damage, with options for endorsements based on operations. The program supports both project-specific placements and ongoing operations coverage. Key strengths for agents include: Access to multiple carriers for competitive placement and broader underwriting appetite Ability to place harder-to-place or specialized artisan risks Support for both residential and light commercial operations Responsive underwriting and broker support to move submissions quickly Underwriting Notes and Minimum Premiums Minimum premiums typically start at $500 or higher depending on the class and exposure. Strong submissions include a completed application, a clear description of operations, years of experience, payroll or annual revenue, and loss runs where available. The program generally targets artisan and light commercial exposures and is not intended for heavy civil construction, large-scale excavation, structural steel erection, blasting, or similar high-hazard operations. Territories and Availability This Contractors Liability Insurance program is available in the following states: Alaska, Arizona, California, Hawaii, and Nevada. Admitted markets are available in some states; other placements may be written on a non-admitted (surplus lines) basis through approved carriers. Why Work With M.J. Hall on This Business M.J. Hall & Company brings decades of experience helping agents place contractors and specialty liability risks. As a leading E&S broker, they offer market access, flexible underwriting, and hands-on support for accounts that need creative or non-standard solutions. Whether you have a first-time business owner or a seasoned contractor with unique exposures, M.J. Hall can help you find and place appropriate liability coverage. Example account scenarios you might submit: a local flooring installer seeking $1M general liability limits to meet a subcontractor requirement; or a small HVAC contractor bidding on tenant improvements that needs evidence of liability for property damage and completed operations. Contact [email protected] for appointment information. Our team is ready to help you grow your contractor book of business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for residential and light commercial contractors such as electricians, plumbers, remodelers, and landscapers performing repair, service, or improvement work. Is this coverage available on an admitted basis?Admitted coverage is available in some states; where admitted markets are not available, coverage can be placed through approved non-admitted carriers. What states is this program available in?Contractors Liability Insurance from M.J. Hall is available in AK, AZ, CA, HI, and NV. What is the minimum premium for this program?Minimum premiums typically start at $500 or higher and vary by contractor class and exposure. How do I submit a risk or get an appointment?Email [email protected] to discuss appointments and submission guidelines; include a completed application, operations details, and loss history when possible. Need help placing an account? Connect with a market specialist.