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Construction Trade Contractors Insurance Program Insurance Solutions for Construction Trade Contractors in Maryland and South Carolina Raley, Watts & O'Neill brings decades of experience serving Construction Trade Contractors—from local general contractors to regional and international firms. Our in-depth understanding of the construction industry allows us to help independent agents place business with confidence, knowing their clients will receive tailored protection for a wide range of jobsite exposures. Ideal Accounts and Appetite This program is designed for a broad mix of construction-related accounts in Maryland and South Carolina. We work with: Heavy construction contractors Specialty trade contractors (e.g., electrical, HVAC, plumbing) General building contractors Whether your client is a small subcontractor or a large contractor managing complex projects, we can help structure the right risk management strategy and coverage package to meet their needs. Coverage Highlights and Advantages We offer a combination of core commercial coverages as well as construction-specific enhancements to protect your insureds from jobsite, equipment, and liability exposures. Key coverages include: Workers' compensation Commercial auto insurance General liability Bonds Disability insurance Construction-specific offerings include: Railroad protective liability Inland marine coverage, including: Contractor's equipment Installation floaters Builder’s risk Owners and contractors protective liability (OCP) Project-specific solutions for: Joint ventures Wrap-ups Risk Management and Claims Expertise Our approach goes beyond insurance placement. We provide expert risk control support, with a focus on: Construction ergonomics Crane, scaffold, and excavation safety Reducing the total cost of risk Our claims specialists are experienced in handling complex and catastrophic losses in the construction sector, including construction defect and accident liability cases. Underwriting Notes This program is offered on a non-admitted basis, providing the flexibility to craft solutions for more complex or higher-risk accounts. Minimum premium requirements vary depending on the account type and risk profile. We recommend reaching out early in the submission process to confirm appetite and requirements. Territories Raley, Watts & O'Neill currently offers this Construction Trade Contractors program in: Maryland (MD) South Carolina (SC) Why Work With Raley, Watts & O'Neill? We are construction insurance specialists who focus exclusively on supporting contractors through customized insurance and risk management solutions. Our team takes the time to understand the intricacies of your client's operations, helping you deliver value beyond price. From nuanced claims handling to emerging risk advice, we are your partner in placing and servicing construction accounts. If you have a contractor client planning a joint venture project or needing specialized coverage for high-value equipment, our team can guide you through the right placement strategy. Let us help you protect what matters most to your construction clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general contractors, specialty trade contractors (like electrical, plumbing, and HVAC), and heavy construction contractors operating in Maryland or South Carolina. Is this program admitted or non-admitted?The Construction Trade Contractors program from Raley, Watts & O'Neill is written on a non-admitted basis, providing flexibility for complex or higher-risk accounts. Do you offer project-specific coverage options?Yes, we offer project-specific solutions including joint ventures, wrap-ups, and owners and contractors protective liability (OCP). Can you help with inland marine and contractor’s equipment coverage?Absolutely. We provide inland marine insurance that includes coverage for contractor’s equipment, builder’s risk, and installation floaters. Which states is this program available in?This program is currently available in Maryland (MD) and South Carolina (SC). Need help placing an account? Connect with a market specialist.

...emolition (over three stories), scaffolding operations, tunneling, blasting, a...