Search CompleteMarkets

...ed gases such as Argon, Nitrogen, Propane, Acetylene and Oxygen. Typical accou...

ProSight Specialty Insurance offers a dedicated Fire Suppression General Liability Insurance program tailored for small to mid-sized fire sprinkler and suppression contractors. The program is designed for firms that perform installation, testing, service, and repair of fire suppression systems — including fire alarms — and that keep most fieldwork in-house. It is particularly well suited for experienced contractors with disciplined operations and less than 25% of total work subcontracted. Ideal Accounts and Appetite This program targets established contractors in the fire protection sector. Typical accounts include: Commercial fire sprinkler system installers and service contractors Companies that perform system testing, inspections, and maintenance Alarm installation and repair providers tied to suppression systems Best-fit accounts manage most field operations directly and demonstrate a track record of quality work and safety controls. Accounts with heavy subcontracting (over ~25%), primarily residential exposure, or limited experience are less likely to qualify. Coverage Highlights and Advantages ProSight’s Fire Suppression General Liability program combines industry-specific coverage features with a rating approach that reflects operational exposure. Key highlights include: Proprietary payroll-based rating structure that aligns premium to field exposure Professional Liability (Errors & Omissions) extension for covered operations $1 million per occurrence limit (primary) $2 million General Aggregate and $2 million Products & Completed Operations Non-admitted umbrella available up to $5 million where applicable Underwriting Notes This is a non-admitted program underwritten by ProSight Specialty Insurance. There is no published minimum premium, but submissions should represent quality risks with clear safety programs, documented experience, and reasonable loss histories. Expect careful review of subcontracting practices; firms that control most field labor in-house are preferred. Residential-only contractors, high subcontracting ratios, or accounts with recurring unresolved losses are typically declined. Territories and Availability ProSight offers this coverage in most states. The program is available in 49 states plus Washington, DC; confirm eligibility for the specific state before submitting. Why Work With ProSight on Fire Suppression Business? ProSight brings focused underwriting for specialized liability programs and a practical understanding of fire protection exposures. Their payroll-based rating helps align price with actual field exposure, and the included E&O extension addresses design, specification, and other professional exposure that often accompanies suppression work. For brokers and agents, ProSight is a reliable market for technically proficient clients who need tailored liability limits and industry-aware underwriting. Example placements you might consider submitting: a mid-sized commercial sprinkler contractor that installs and services systems for office and retail properties while keeping installation crews on payroll; or a service-focused firm that performs routine inspection and testing for multi-tenant commercial buildings and maintains written inspection protocols and training records. To review ProSight Specialty Insurance’s broader capabilities and other programs, visit their CompleteMarkets company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized commercial fire sprinkler and suppression contractors with less than 25% subcontracted work and demonstrated experience in installation, testing, and servicing of suppression systems. Is this program available on an admitted basis?No. This offering is a non-admitted program underwritten by ProSight Specialty Insurance. What coverage limits are offered?Primary limits include $1 million per occurrence with $2 million General Aggregate and $2 million Products & Completed Operations. Non-admitted umbrella options are available up to $5 million where allowed. Does the program include Errors and Omissions coverage?Yes. A Professional Liability (E&O) extension is included for covered operations related to fire suppression and alarm work. In which states is the program available?The program is available in 49 states and Washington, DC. Confirm state eligibility before submitting a risk. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers a robust Excess Workers’ Compensation Insurance Program designed for qualified self-insured entities across a variety of sectors. This is a national admitted program available exclusively through ProSight’s trusted MGA partner, Midlands Management Corporation. If you're an agent or broker seeking a reliable market for self-insured clients in need of excess workers’ comp protection, this program is built to deliver comprehensive coverage solutions. Ideal Accounts and Appetite This program is specifically tailored for: Heterogeneous groups or associations Stand-alone individual self-insured entities Public entities, such as municipalities and school districts All insureds must be certified by their state of domicile to self-insure. The program is ideal for organizations with strong loss control practices and the financial capacity to absorb a self-insured retention (SIR). Coverage Highlights and Advantages Terrorism coverage included SIRs as low as $300,000 Aggregate/Stop Loss protection available Corridor and Inner Aggregate deductibles Employer’s Liability Coverage up to $5 million Out-of-State Coverage for multi-jurisdictional risks Communicable Disease Coverage up to $50 million USL&H coverage up to statutory limits Ability to work with Third-Party Administrators (TPAs) and self-administered programs Optional package coverage including Auto Liability, General Liability, Property, and Umbrella Underwriting Notes and Program Limits Specific Excess: Up to statutory limits Employer’s Liability: Up to $5 million Communicable Disease: Up to $50 million USL&H: Up to statutory limits All coverage is written on an admitted basis in most available states. Territories and Availability This Excess Workers’ Compensation program is available in most states, including but not limited to: CA, TX, FL, NY, IL, and PA. A full list includes over 45 states and the District of Columbia. Please contact Midlands Management Corporation to confirm specific state availability. Why Work With ProSight Specialty Insurance ProSight Specialty Insurance brings a deep understanding of complex self-insured workers’ compensation needs. By partnering with Midlands Management Corporation, ProSight delivers a streamlined distribution model, experienced underwriting, and access to flexible, high-limit coverage designed for public and private entities. Whether your client is a large municipality, a manufacturing association, or an individual employer with a strong risk profile, this program offers the tools and support you need to protect their workforce and financial stability. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for qualified self-insured public entities, individual employers, and industry associations with strong risk control practices. Is this program available nationwide?The program is available in most states, including CA, TX, FL, NY, and many others. Always confirm with Midlands Management Corporation for specific state eligibility. What are the minimum self-insured retentions (SIRs) required?SIRs start as low as $300,000, depending on account size, industry, and risk profile. Can this program accommodate multi-state exposures?Yes, the program includes Out-of-State Coverage and can accommodate employers operating in multiple jurisdictions. Does the program allow the use of TPAs or self-administration?Yes, the program supports clients working with Third-Party Administrators or managing claims in-house. Need help placing an account? Connect with a market specialist.

Innovative Insurance Solutions Meeting the Changing Needs of the Eldercare Industry ProSight’s Skilled Nursing Insurance program pairs comprehensive liability solutions with practical risk management services. Our underwriting team specializes in eldercare exposures and brings deep experience placing nursing homes, assisted living and senior living facilities into tailored programs. At ProSight we underwrite eldercare risks with an eye to the claim and legal climates that affect nursing facilities. We can customize General Liability and Professional Liability coverage to address clinical and non-clinical exposures, and we combine preferred pricing with loss control resources designed for this segment. Program Highlights Flexible policy options: Occurrence, Claims-Made, and Conversion (Nose) coverage. Industry-specific, broad GL/PL policy forms tailored for nursing homes, assisted living and senior living operators. Workers’ Compensation placement and a specialty loss prevention program to reduce frequency and severity of losses. Value-added non-clinical risk management consulting and assessment tools to help facilities evaluate exposures and improve daily operations. Streamlined submission and underwriting workflow for faster decisions on standard placements. Coverage Limits and Features ProSight offers a GL/PL non-admitted product commonly placed with a $1M/$3M/$5M structure. Typical limit elements include: Health Care Professional Act: $1M each act / $3M aggregate General Aggregate: $3M; Each Occurrence: $3M Personal Injury / Advertising Injury: $1M Employee Benefits Liability: $1M each act / $1M aggregate Sexual Misconduct coverage: $1M each act / $1M aggregate Hired / Non-Owned Auto: $1M CSL Damage to Premises Rented to You: $50,000; Medical Expense: $5,000 Evacuation and Crisis Management limits: $25,000 each incident / $25,000 aggregate Nose Cover (for conversions from Claims-Made to Occurrence): $1M (when applicable) Ideal Accounts and Appetite ProSight’s Skilled Nursing Insurance program is aimed at: Standalone nursing homes and skilled nursing facilities Assisted living and memory care communities Small to mid-sized owner/operators and managed portfolios with stable operations Accounts willing to engage with loss prevention services and implement non-clinical risk improvements Typical risks that fit well: licensed nursing facilities, assisted living with nursing oversight, short-term rehabilitation units, and small chains under centralized risk management. Risks that may require referral or special underwriting include large, complex multi-state systems with significant adverse loss histories or high-risk clinical programs outside standard eldercare services. Underwriting Notes ProSight emphasizes a practical underwriting approach: concise submissions, attention to claim history and regulatory actions, and documentation of safety and resident-care practices. The program pairs underwriting with proactive non-clinical risk management consulting — a useful differentiator when presenting accounts. Because this offering is a non-admitted product in the states where it is available, please confirm placement suitability for each client and state. Territories & Availability Available in: AL, CT, DE, FL, GA, IL, IN, KY, ME, MD, MI, MS, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, DC, WV, WI. This program is currently offered as a non-admitted product in these jurisdictions; verify state availability and regulatory requirements before submission. Why Place Skilled Nursing Business with ProSight Specialty Insurance As a specialty carrier focused on complex liability lines, ProSight combines experienced healthcare underwriting with loss prevention services built for eldercare. Agents benefit from flexible policy forms, competitive limit structures, and access to consultative risk management — helping you present stronger submissions and protect client operations. Example placement scenarios: You have a six-bed skilled nursing facility with clean loss runs and formal risk management practices — this program can offer tailored GL/PL terms and access to loss control consulting. A regional assisted living operator seeks conversion from a claims-made policy to occurrence coverage — Nose Cover availability can help bridge the conversion risk when eligible. To submit: provide recent loss runs, regulatory or survey reports, staffing and credentialing practices, and a clear description of services offered. ProSight’s underwriters will work with you to identify the best form (Occurrence, Claims-Made or Conversion) for the account and outline available risk management resources. Frequently Asked Questions What types of accounts are a good fit for ProSight’s Skilled Nursing Insurance program?Licensed nursing homes, skilled nursing facilities, assisted living and memory care communities with organized operational controls and defensible loss histories are the core target. Small to mid-sized owner/operators who will engage in loss control are especially well suited. Is this program admitted or non-admitted?The program is offered as a non-admitted product in the states listed on the storefront. Confirm state availability and any placement implications with compliance prior to binding. What liability limits and coverages are available?ProSight commonly places accounts with a $1M/$3M/$5M structure and offers Health Care Professional Act limits, general aggregate and occurrence limits, sexual misconduct coverage, hired/non-owned auto, crisis management and optional Nose Cover for conversions. Exact limits depend on underwriting and eligibility. What submission materials and underwriting items should I include?Include current loss runs, copies of recent surveys or regulatory reports, staffing/credentialing procedures, and a description of clinical and non-clinical services. Highlight any active risk management programs to improve placement prospects. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers an Energy and Oil Fields Contractor Insurance program tailored to small- and mid-sized oil and gas contractors. Designed for businesses with annual revenues under $10 million, this program delivers targeted insurance solutions for land-based oilfield operations and related services. Overview of the Program ProSight's Energy program is built for the operational and liability risks common to the oil and gas sector. Using a proprietary rating structure and industry-focused underwriting, the program provides competitive, tailored solutions for contractors, service providers, equipment suppliers, and well operators working onshore. Ideal Accounts and Appetite This program is a strong fit for agents placing: Independent oilfield contractors Well owners and onshore operators Oilfield trucking and hauling firms Equipment and product suppliers to the oil and gas industry Service providers supporting drilling, completion, and extraction ProSight focuses on accounts with annual revenue under $10M. Note: offshore operations and accounts with pollution exposures are not eligible for this program. Coverage Highlights and Advantages Agents can place a broad package of coverages under this program, including: General Liability Commercial Property Commercial Auto Inland Marine — rigs, contractor equipment, mobile equipment, and downhole tools Workers' Compensation Umbrella coverage up to $10 million By excluding pollution and offshore exposures, the program streamlines underwriting and allows ProSight to deliver more accurate pricing for eligible, land-based accounts. Underwriting Notes ProSight uses a proprietary rating model developed for oil and gas contractors to improve pricing accuracy. Underwriting emphasizes operational safety, documented industry experience, equipment condition, and loss control. While no formal minimum premium is specified, well-documented submissions with complete loss runs, equipment schedules, and safety programs help speed placement and binding. Territories and Availability This program is available on a non-admitted basis in 19 energy-producing states: AR, CA, CO, ID, IL, KS, MN, MO, MT, NE, NM, ND, OK, PA, SD, TX, UT, WV, and WY. Why Work With ProSight Specialty Insurance ProSight brings deep energy-sector expertise and a focused underwriting approach for oilfield contractors. The carrier’s proprietary rating structure and experienced underwriters allow you to place complex, land-based energy risks with confidence. If you have a small rig operator in Texas, an equipment supplier in North Dakota, or a trucking firm supporting well sites in Colorado, this program provides the coverages and capacity to protect those accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for small- and mid-sized onshore oilfield contractors, well operators, trucking firms, equipment suppliers, and service providers that support drilling and extraction. Is pollution coverage included in this program?No. Pollution coverage is excluded. Accounts with known pollution exposures should be submitted elsewhere. Can offshore operations be covered?No. Contractors with offshore operations are not eligible for this program. What states is the program available in?The program is available on a non-admitted basis in 19 states with significant oil and gas activity, including TX, OK, ND, CO, and others listed above. What types of inland marine items can be covered?Inland Marine can include rigs, contractor equipment, mobile equipment, and downhole tools—schedules and values should be provided with the submission. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers a focused program for Construction Managers that combines General Liability (GL) and Professional Liability (PL) into a single, integrated policy. The Construction Managers General Liability and Professional Liability Insurance package reduces coverage ambiguity between operational and professional exposures and makes placing and managing coverage simpler for brokers and their clients. Ideal Accounts and Appetite This program is geared to construction management firms that supervise and coordinate building projects across commercial, residential, and public infrastructure sectors. ProSight looks favorably on Certified Construction Managers and will consider preferred rating for firms that demonstrate credentialing and disciplined risk management. Typical fits include firms that act as owner’s reps, construction managers-at-risk, and program managers who do not perform significant trade work. Coverage Highlights and Advantages By packaging occurrence-based General Liability with claims-made Professional Liability in one policy, ProSight reduces gaps and carrier-to-carrier disputes that can arise when GL and PL are written separately. The integrated approach makes responsibilities clearer when a project-related loss triggers both operational and professional exposure. Key policy features include: Combined GL and PL limits in a single policy for streamlined coverage Optional Excess Liability limits available up to $10 million Coverage enhancements such as Subpoena Expense and Disciplinary Proceedings Expense Early-intervention claims handling and proactive loss control support from ProSight ProSight’s claims team emphasizes early involvement when a subpoena or suit arises, helping clients limit exposure and stay focused on project delivery. Underwriting Notes and Minimum Premiums Underwriting is tailored to fit firms of varying sizes and complexity. While specific minimum premium information is not published here, ProSight evaluates accounts based on scope of services, revenue, safety programs, certification status, and claims history. The program is offered on a non-admitted basis, providing flexibility to structure terms for unique or higher-risk placements. Territories and Availability This program is available in nearly all U.S. jurisdictions, including AL, AK, AZ, CA, FL, NY, TX, and many others. Coverage is written to support clients with multi-state operations and nationwide project exposure. Why Work With ProSight Specialty Insurance? ProSight brings construction-focused underwriting and a product designed specifically for the construction management segment. Agents benefit from a simplified placement when GL and PL exposures overlap, access to optional excess limits, and a carrier that prioritizes early claims intervention. The program’s combination of niche expertise and flexible, non-admitted capacity makes it a practical option for qualified construction management firms. You might have a client who manages large commercial tenant build-outs across several states or a municipality program manager overseeing multiple public works projects—this program can provide a single policy solution that reduces administrative complexity and improves claims responsiveness. Frequently Asked Questions What types of accounts are a good fit for this program?Certified Construction Managers and firms that provide construction management, owner’s representative, or program management services on commercial, residential, or public projects are good fits. Firms that perform substantial subcontracting or trade work may require different placement. What are the main coverage features of the program?The policy combines occurrence-based General Liability and claims-made Professional Liability in one package, offers optional Excess Liability up to $10 million, and includes enhancements such as Subpoena Expense and Disciplinary Proceedings Expense. Is the program available in all states?Yes. The program is available in all U.S. states and Washington, D.C., supporting clients with multi-state operations. What makes ProSight Specialty Insurance a strong partner for this business?ProSight offers construction-specific underwriting, preferred considerations for certified professionals, and proactive claims involvement designed to protect your client’s business continuity and reputation. Is this an admitted or non-admitted program?The program is written on a non-admitted basis, which allows additional flexibility in underwriting and program design. Need help placing an account? Connect with a market specialist.

General Contractors Project Specific Insurance ProSight Specialty Insurance offers a tailored General Contractor Project Specific Insurance program designed to meet the unique needs of owner/developers and general contractors. Whether you're placing a single project or looking for broader practice coverage, this program is built to accommodate a variety of construction risks with flexible policy structures and extended protection options. Ideal Accounts and Appetite This program is ideal for general contractors and owner/developers involved in residential, commercial, or mixed-use construction projects. It caters to both project-specific and practice-based needs. Suitable accounts include: General contractors managing large-scale residential or commercial builds Owner/developers seeking coverage for specific projects lasting 24 to 48 months Contractors with low direct payroll (25% or less) and heavy reliance on subcontractors (75% or more of gross receipts) You might have a client who is developing a 36-month apartment complex in New York and needs dedicated coverage for the duration of the project. This program can provide tailored protection with extended completed operations coverage. Coverage Highlights and Advantages Project Specific policies available for 24 to 48 months Practice policy options for qualifying contractors Extended completed operations coverage available up to 6 years No height limitations, offering flexibility for vertical construction Limits up to $2 million per occurrence / $4 million general aggregate / $4 million products and completed operations Underwriting Notes Underwriting prioritizes project structure, duration, subcontractor usage, and safety history. Accounts with a solid track record and well-managed subcontractor relationships are particularly attractive. The program can accommodate both admitted and non-admitted placements, depending on the risk profile. Territories and Availability Currently available in New York, this program supports agents and brokers working with contractors operating across a wide variety of project types within the state. Why Work With ProSight Specialty Insurance ProSight Specialty Insurance understands the complexities of construction risk and offers specialized solutions tailored to general contractors and developers. With flexible terms, extended completed operations coverage, and no height restrictions, this program is built for the demands of today’s construction environment. Whether you're placing a one-off project or need a longer-term practice solution, ProSight can help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a strong fit for general contractors and owner/developers handling residential, commercial, or mixed-use construction projects—especially those that span 24 to 48 months or rely heavily on subcontractors. Is extended completed operations coverage available?Yes, the program offers extended completed operations coverage for up to 6 years, making it suitable for projects that require post-completion protection. Are there any height limitations for construction projects?No, this program does not impose any height restrictions, allowing coverage for vertical builds and high-rise developments. Can this program handle both project-specific and practice policies?Yes, ProSight offers flexibility with both project-specific policies (24–48 months) and practice policies for qualifying contractors with appropriate payroll and subcontractor ratios. In which states is this program available?This program is currently available in New York. Contact ProSight for updates on availability in other regions. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers a comprehensive Marine Insurance program tailored to meet the complex and unique needs of businesses operating in the maritime and energy sectors. Whether your client operates commercial vessels, transports cargo, manages offshore drilling operations, or provides marine contracting services, ProSight’s experienced underwriting team is equipped to evaluate and write even the most challenging risks. We provide flexible solutions for a wide range of exposures that many other markets may not entertain. Ideal Accounts and Appetite ProSight is a strong partner for agents and brokers placing marine and energy-related risks that require specialized coverage and underwriting insight. Target classes include: Commercial vessel owners and operators Shippers, freight forwarders, and cargo handlers Marine contractors and ship repair operations Wharfowners, stevedores, and terminal operators Offshore and onshore oil and gas exploration and production firms Charterers and maritime employers with Jones Act exposures We welcome both traditional and non-traditional marine accounts, including those with complex operations or unique exposures. Coverage Highlights and Advantages ProSight Marine Insurance program offers a wide array of coverages designed to protect maritime businesses from operational, liability, and catastrophic risks: Hull and Machinery War Risk: Protection against war, strikes, riots, and civil commotions impacting commercial watercraft. Cargo and Cargo War Risk: First-party and third-party coverage for goods in transit or temporary storage, including war-related perils. Protection and Indemnity (P&I): Primary and excess liability coverage for vessel operations, including crew injury and cargo liability. Charterers' Legal Liability: Coverage for liabilities arising under charter party agreements. Shoreline Marine Liability: Tailored for shipyards, terminal operators, and related shoreline operations. Marine Contractors' Liability: Coverage for contractors servicing marine and energy clients. Maritime Employers Liability (Jones Act): Protection for employers with Jones Act employee exposures. Marine Umbrella (Bumbershoot) Liability: Excess liability over marine and non-marine primary coverages. Onshore and Offshore Oil and Gas: Covers physical damage and liability for rigs, vessels, pipelines, and well control. Energy Umbrella (Bumbershoot) Liability: Excess protection for energy sector risks, including marine, CGL, and auto liabilities. Underwriting Limits ProSight offers robust limits to accommodate a wide range of risks: Hull: Up to $10,000,000 War Hull: Up to $22,000,000 Energy: Up to $12,500,000 Marine Liability: Up to $40,000,000 Cargo / War Cargo: Up to $30,000,000 Territories and Admitted Status This program is available in all 50 states and Washington, DC. Both admitted and non-admitted options are available depending on the risk and state requirements, allowing flexibility in placement and compliance. Why Work With ProSight Specialty Insurance? ProSight stands out for its willingness to entertain risks that other carriers may decline. Our deep expertise in marine and energy sectors, paired with a flexible underwriting approach, enables agents to place nuanced accounts with confidence. Whether you're working on a standard marine liability account or a complex offshore drilling operation, ProSight delivers tailored solutions backed by knowledgeable professionals. You might have a client who operates a fleet of support vessels in the Gulf or a marine contractor involved in both inland and offshore work—ProSight has the appetite, coverage, and capacity to support these clients and more. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for commercial vessel operators, marine contractors, cargo handlers, ship repairers, and oil and gas exploration companies. Can ProSight write unusual or hard-to-place marine risks?Yes, ProSight specializes in evaluating non-standard and complex marine exposures that may not be considered by other carriers. Is this program available on both an admitted and non-admitted basis?Yes, coverage can be written on an admitted or non-admitted basis depending on the specific state and risk characteristics. What are the coverage limits available?Limits vary by coverage type, ranging from $10 million for hull to $40 million for marine liability and $30 million for cargo-related coverages. Which states is this program available in?This program is available in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance understands the complexity and elevated risk profile that general contractors face when building or remodeling high-value residential properties. The Luxury Home Builders General Liability Insurance Program is specifically tailored to meet the needs of residential general contractors who manage luxury home projects and rely heavily on subcontractors. Ideal Accounts and Appetite This program targets general contractors engaged in ground-up construction or large-scale remodeling of luxury residential properties. It is best suited for contractors who subcontract at least 70% of labor and materials. Qualified accounts may also include contractors who occasionally perform commercial remodeling alongside their residential work. Example accounts you can place: a GC managing custom homes listed in the millions that coordinates multiple specialty contractors, or a remodeler completing high-end kitchen, bath and exterior renovations in affluent neighborhoods where project values and exposure are elevated. Coverage Highlights and Advantages ProSight’s Luxury Home Builders program uses a proprietary per-start pricing model rather than traditional ISO payroll or subcontractor cost bases. That simplifies rating and often produces more competitive premiums for qualified risks. The program includes a suite of embedded Commercial General Liability enhancements that are valuable on luxury projects, such as: • Blanket Waiver of Subrogation • Primary and Non-Contributory wording • Broad blanket Additional Insured endorsements • Per-project aggregate limits Beyond policy language, ProSight provides access to experienced risk control professionals and responsive claims management resources to help contractors limit exposures and protect project margins. Underwriting Notes and Limits This is a non-admitted program underwritten by ProSight Specialty Insurance. General Liability and Excess Liability limits are available up to $5 million. Underwriting favors accounts with strong subcontractor vetting and management practices, clear contract flow-downs, and a demonstrable history of project oversight. Available States The Luxury Home Builders General Liability Insurance Program is currently available in the following states: AL, AK, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NM, NY, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI, and WY. Why Work With ProSight ProSight Specialty Insurance brings focused expertise in niche construction risks and a streamlined underwriting approach for luxury residential contractors. Agents and brokers benefit from a dedicated carrier platform, specialty underwriting knowledge, competitive per-start pricing for qualified risks, and access to tailored risk control and claims services. To learn more or begin placing business, visit the Luxury Home Builders General Liability Insurance storefront or view ProSight’s full company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general contractors who specialize in building or remodeling luxury residential homes and who subcontract at least 70% of labor and material costs. Is commercial remodeling work eligible under this program?Yes. Qualified general contractors that perform some commercial remodeling in addition to luxury residential projects may be eligible—subject to underwriting review. What makes this program different from standard general liability policies?ProSight’s proprietary per-start pricing and the program’s embedded liability extensions (such as blanket waivers and broad additional insured wording) distinguish it from many standard GL offerings that add these features only as endorsements for extra cost. Is this program available on an admitted basis?No. The Luxury Home Builders program is offered on a non-admitted basis through ProSight Specialty Insurance. In which states is this program offered?The program is available in more than 40 states. See the “Available States” section above for the current list of territories where you can place business. Need help placing an account? Connect with a market specialist.